Can I use my HSA Funds at the Dentist?

health savings account

health savings accountServing Choto, Northshore, and surrounding areas of Knoxville, TN

If you are fortunate enough to have a health savings account, you essentially have tax-deferred savings that you can use on qualified medical expenses, including oral care. If, toward the end of year you still have money in your health savings account or HSA, you may want to consider using a portion of those funds to get necessary dental treatments for you and your family. Your family dentists in Knoxville at Choto Family Dentistry have some tips to help you get the most bang for your buck.

First, let’s take a look at what an HSA is, and how it can be used.

An HSA account allows you to contribute tax-deferred money into an account that can later be used for qualifying medical expenses. These expenses may include co-pays or out-of-pocket expenses for medical or dental visits. An HSA can be especially useful for people who opt not to carry dental insurance coverage, leaving them to pay the full cost of a trip to the dentist.

Why using your HSA funds for dental treatments is a good idea

For those without dental insurance, a simple cleaning and checkup at the dentist can easily run between $150-200, and that’s without X-rays and additional treatments that may be necessary. A simple filling can run between $200-300. For many people, coming up with that much money on the spot can be challenging. But, if you have a little bit of your paycheck going into an HSA account each month, tax-free, before you know it, you will have enough to pay for you and your family’s dental expenses.

Maybe you held off throughout the year and decided not to see the dentist for your cleanings. While we advise against this because it’s preventive treatments that help you avoid costly repairs later on, we understand that you may have to temporarily delay these important visits. If you have an HSA with a balance toward the end of the year, it would be smart to get in for a dental cleaning and checkup to make sure everything is in good shape with your oral health. If the money is in your HSA account, you haven’t missed it all year, and it can’t be used for anything other than medical expenses, so take advantage of the funds while keeping your oral health in check!

What if I don’t have an HSA, can I still see the dentist?

Absolutely. You don’t have to have dental insurance or an HSA account to see the dentist. While having either certainly helps lessen the financial burden, neither are required. Your Knoxville family dentists at Choto Family Dentistry accept various forms of payment including credit cards, and even offer special third party financing to help you pay for your treatments interest-free! While many people avoid the dentist because they believe it is “too expensive,” it’s really neglecting your teeth that end up costing you more in the long run. A cleaning and exam twice a year, while the cost adds up, is much less than if you neglect your teeth and end up needing a dental crown or root canal, or even worse! Extensive procedures such as these can easily put you into the thousands of dollars range. Plus, maintaining a healthy mouth decreases your risk of certain diseases such as heart disease, stroke, and diabetes.

Dentist in Farragut

If you would like to learn more about using your HSA account for dental care, or to schedule an appointment, please contact Choto Family Dentistry by calling (865) 269-6688.

Choto Family Dentistry is proud to serve patients in Knoxville, Tennessee, and the surrounding communities of Choto and Northshore.