Are Dental Cleanings & Checkups HSA/FSA Eligible?
Preventive and diagnostic dental care is squarely eligible.
How the rule applies
Preventive dental care, including cleanings, checkups and X-rays, is medical care for your teeth and gums. It does not need a special letter.
What to keep for your records
Keep the dentist's statement of what you paid. If your dental insurance covered some of it, claim only the part you paid yourself.
Watch out for
Copays and the amount you owe after insurance are eligible. Dental insurance premiums paid with pre-tax money are not.
Where to buy it HSA/FSA-eligible
Pay with your HSA or FSA card directly, or buy elsewhere and save the receipt to submit for reimbursement.
Shop on FSA Store → Shop on HSA Store →Related in Dental Care
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This ruling applies the HSA/FSA account rules (IRC §223, IRS Pub. 969), the medical-care definition they rely on (IRC §213(d), IRS Pub. 502) and any later statutory change or IRS guidance listed above. It is for informational purposes only. Eligibility can vary slightly by plan administrator — when in doubt, confirm with yours before purchasing.