Can I use my HSA or FSA for dental treatment?

Yes, HSA and FSA accounts can be used for dental care:

What's typically covered: - Dental implants - Crowns and bridges - Veneers - Invisalign/orthodontics - Fillings - Extractions - Root canals - Cleanings and exams - Sedation - Most restorative work

HSA (Health Savings Account): - Funds roll over year to year - No "use it or lose it" - Can save for future treatment - Must have high-deductible health plan

FSA (Flexible Spending Account): - Must use within plan year - Some plans allow small rollover - "Use it or lose it" for most - Plan dental work before year-end

Tax benefits: - Pre-tax dollars - Save 20-30% depending on tax bracket - Like getting a discount on treatment

How to pay: - Most HSA/FSA cards work like debit cards - We can split payment with other methods - Get receipt for reimbursement if needed

Year-end tip: If you have unused FSA funds, schedule treatment before they expire!