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Boost Your Dental Health With Soon-To-Expire FSA Funds

BoostYourDentalHealthWithSoon-To-ExpireFSAFunds

If you're among the estimated 14 million families with a healthcare flexible spending account (FSA), New Year's Eve has an added meaning—that's typically the deadline for using any current year funds. Since any remaining money in your FSA could go poof at the stroke of midnight on December 31st, you might be looking for a way to spend it. If so, consider a dental health boost for you and your family.

FSAs were created in the 1970s by the U.S. Government as a salary benefit that employers could offer employees. Instead of receiving all of their pay as taxable income, employees could designate a portion of it (currently up to $2,650) in a non-taxable account to use for certain medical and dental expenses. An FSA thus provides families a way to pay for uncovered healthcare costs while saving on their taxes.

But because most FSAs expire by the end of the year and then restart with a fresh balance in the new year, there's a natural concern that you will “use or lose” remaining money. People thus begin looking for eligible expenses like treatments, prescribed medications or eyeglasses. They can't, however, use them for items like over-the-counter medical products (though some pain relievers get a pass this year because of COVID-19), as well as most things cosmetic.

The same generally holds true for dental expenses—you won't be able to use FSA funds for procedures like teeth whitening or veneers. Toothbrushes and other routine oral care products are also ineligible, although you may be able to buy items like a water flosser if your dentist issues you a Letter of Medical Necessity (LMN).

Still, there's a wide range of eligible dental items you could pay for with remaining FSA funds.

Prevention measures. Any procedures or treatments intended to prevent disease are typically FSA-eligible. These can include measures like regular dental cleanings, sealants or fluoride applications.

Disease treatment. FSAs cover procedures like fillings, extractions, gum surgery or root canals. This could include repairing damage from disease through dental bonding or crowns, which might also improve your smile.

Dental restorations. Missing teeth restorations like bridgework, dentures or dental implants are also covered. These may improve your appearance, but they primarily restore disrupted dental function.

Out-of-pocket expenses. Although you can't pay for dental insurance premiums, an FSA may be able to help in other ways. You can use FSA funds for co-pays or any remaining out-of-pocket expenses.

If you're not sure what dental expenses might be eligible for FSA funds, give our office a call and we can provide you guidance. If FSA funds can help, you'll be able to improve your dental health—and possibly your appearance—before you ring in 2021.

If you would like more information about managing your dental care, please contact us or schedule a consultation.

Our Location

5640 W Broadway Ave Crystal, MN 55428-3510

Hours of Operation

Our Regular Schedule

Monday:

8:00 am-7:00 pm

Tuesday:

8:00 am-5:00 pm

Wednesday:

8:00 am-5:00 pm

Thursday:

7:00 am-4:00 pm

Friday:

8:00 am-1:00 pm

Saturday:

Closed

Sunday:

Closed

Testimonials

What Our Clients Say About Us

  • "This is a very professional place, but the atmosphere is so upbeat!!!! From the start of my interaction with the staff upon my leaving it was such a wonderful way to be treated. Everyone was so kind, caring, and considerate of my situation. They really put me at ease. The staff is Amazing!!!! I was overwhelmed by the experience. Thanks Crystal Dental Care!"
    Jon S.
  • "Michelle and Dr.Murphy were very helpful. Front desk ladies Tammy and I do apologize for forgetting the other ladies name, were so nice a welcoming. Everything was explained to me and I actually learn something regarding Diabetes and your oral health. Thanks again guys I will be back to get some treatments done in a few weeks."
    Shamika D.
  • "Great customer service! Wendy was so nice and super helpful with setting my appointment up and making sure I had all the right information. Thank you I will definitely refer everyone I know!"
    Queen A.
  • "Every staff member was kind and welcoming. I received clear and precise answers to all of my questions. Both the assistant and the dentist were gentle and respectful. I was given multiple options for a treatment plan with no pressure or up sales. It felt like affirming medical care. I’m looking forward to being a responsible and long term patient."
    Tobias B.
  • "Amy did a Fantastic job. She really put all of her skills in the cleaning. Probably the best cleaning I've ever had."
    Santos B.