Yes, fluoridation services are eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA) when provided to prevent or treat dental disease.
Why Are Fluoridation Services FSA/HSA Eligible?
Fluoridation services involve the application of fluoride to teeth to strengthen enamel and help prevent cavities. These treatments are commonly provided during dental cleanings or as part of preventive care for children and adults at risk of tooth decay. Because they are used to prevent dental disease, fluoride treatments are considered eligible medical expenses under IRS Code Section 213(d).
According to IRS Publication 502, preventive dental care, including fluoride treatment, qualifies as a reimbursable expense when performed by or under the supervision of a licensed dental professional.
FSA- and HSA-eligible fluoridation services may include:
In-office fluoride treatments by a dentist or hygienist
Fluoride varnish or gel application
Prescription fluoride rinses or toothpaste used to prevent cavities
- Pediatric fluoride treatments as part of routine dental care
What’s Not Covered?
The following are not eligible:
Over-the-counter fluoride products (toothpaste or mouthwash) not prescribed by a dentist
Fluoride treatments used for cosmetic purposes rather than medical prevention
Services not administered or supervised by a licensed dental provider
Non-prescription supplements or products without a clear medical purpose
To qualify, the fluoride treatment must be intended to prevent or treat dental decay and provided as part of professional dental care.
How to Use Your FSA or HSA for Fluoridation Services
You can use your FSA or HSA card at the dentist’s office during eligible treatment. If you pay out of pocket:
Request an itemized receipt showing the fluoride treatment as a distinct service
Save any related documentation or prescription for home-use fluoride products
Submit your documentation to your plan administrator for reimbursement if required
For more information on eligible dental and preventive care, refer to IRS Publication 502.
