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How to Use Your FSA or HSA for Braces Before the Year Ends

Featured image of piggy bank for Dayton Orthodontist blog on using FSA HSA for braces Invisalign for adults and children If you're planning to start orthodontic treatment– for yourself or your child– now’s the time to consider using your Flexible Spending Account (FSA) or Health Savings Account (HSA)!

Braces and Invisalign are both eligible expenses, but deadlines vary depending on your benefits.

Yes, you can use FSA or HSA for braces.

Orthodontic treatment is considered a qualified medical expense under most plans. That means you can pay for:

  • Traditional metal braces
  • Clear aligners like Invisalign
  • Retainers and follow-up care
  • Down payments and monthly installments

Be sure to check your plan’s rules– some FSAs follow a “use it or lose it” model that expires on December 31.

How to apply your funds

  • Pay your down payment with your FSA or HSA card
  • Use funds to cover monthly installments
  • Submit reimbursement forms if paying out-of-pocket

At O’Brien Orthodontics, we work with many families who use their flex benefits to make treatment more affordable. If you’re unsure how much you have left in your account– or when it expires– now’s the time to check.

For general FSA/HSA eligibility guidelines, see the IRS’s official list of qualified medical expenses.

Don’t let your benefits go unused. Call us today to schedule a consultation and learn how your FSA or HSA can help you save on braces or Invisalign in Beavercreek or Englewood.