If you have a Health Spending Account (HSA) or Flexible Spending Account (FSA), you may be able to use those funds to help pay for dental care. These tax-advantaged accounts can make treatments more affordable — if you know how to use them properly.
Here’s how HSAs and FSAs work when it comes to dental expenses in Canada:
💳 What Is an HSA or FSA?
- HSA (Health Spending Account): Common with self-employed individuals or through group benefit plans. You pay out of pocket and get reimbursed.
- FSA (Flexible Spending Account): More common in U.S.-based or cross-border companies, with funds deducted from your paycheque pre-tax.
🦷 What Dental Services Can You Use Them For?
Eligible expenses typically include:
- Exams and cleanings
- Fillings, extractions, and root canals
- Crowns, bridges, and dentures
- Orthodontics (with documentation)
- Dental surgeries or implants (in some cases)
Cosmetic procedures like whitening or veneers are usually not covered.
🧾 How to Claim a Dental Expense
- Pay for the treatment and ask for an itemized receipt with procedure codes
- Submit the receipt through your HSA/FSA provider’s portal
- Reimbursement is often direct deposit within 1–2 weeks
Some providers offer prepaid cards that you can use at the clinic, depending on your setup.
📌 Keep in Mind:
- Check your yearly maximum or rollover deadline — unused funds may expire
- Some plans require a prescription or pre-approval for orthodontics
- Keep all receipts for tax or audit purposes
Have Questions About Using Your HSA or FSA?
We’ll provide the correct receipts and help you navigate your options — just ask at the front desk or during your appointment.
👉 Book your next visit and make the most of your health benefits today.