As the year is drawing to a close, many people are trying to use what is left in their flexible spending account. After all, if you don’t use it, you lose it. Here are a list of dental items that money in your flexible account can be spent on.
Dental Deductibles- Now is a great time to make an appointment with your dentist for a routine cleaning, examination, X-rays or other necessary dental care. Any deductible that you are charged, can be used towards your flexible spending account. If you are overdue for an appointment, this is the reminder you need to get in before the end of the year. Or, if you are due for a treatment right after the start of the new year but have some money left over in your account, call the dental office and see if you can get in early so you can use what is left in your account.
Over-The-Counter Treatments- If you have sensitive teeth and need a special toothpaste or need over-the-counter medication to treat tooth or gum pain, stock up on these items. Many of these items last as long as two years, so stocking up ensures you always have the item on hand and allows you to use up money that you may otherwise lose. As long as a dentist has written a prescription for them, you can use money in your flexible spending account on the items.
Specialists- If you need to be treated be a dental specialist, such as an orthodontist, endodontist or a denturist, any out of pocket expenses can be covered with your flexible spending account. This can include the cost of the appointment, any treatments, and any specialized equipment, such as dentures or braces. So if you are certain you need to see a specialist, or suspect you might need to, know is the time to get a referral and be seen.
As you can see, there are many ways to spend what is left in your account on your dental needs. However, it is important to also point out two things that you can’t spend the money on. Routine dental care items, such as floss and toothbrushes, and cosmetic dental procedures that aren’t medically necessary, such as teeth whitening, are not FSA eligible. Also, be aware that other people are going to be trying to use what is left in their accounts as well, so dentists book up quickly during this time frame. Make your appointments as soon as possible to ensure you can be seen by December 31st.