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Orthodontics and Flexible Spending Accounts (FSAs) 6 Things You Need to Know

posted on 2-9-18

Did you have funds left in your flexible spending account that carried over into 2018? If so, be sure to check if – and when – those funds will expire, and make a plan to apply them to a beautiful smile. We’ve outlined a few FSA FAQs to help you out:


 1) What medical expenses are covered?

Qualified medical expenses that are incurred to treat or research a medical condition will be reimbursed.


2) Does it cover cosmetic procedures?

No. Cosmetic procedures such as teeth-whitening is not allowed. However, certain cosmetic surgery is allowed, as long as it is used to fix a disfigurement such as jaw alignment or getting a straight smile.


 3) Can a Flex Spending Account (FSA) be used for orthodontia?

Yes. The IRS allows a FSA participant to be reimbursed for their orthodontic procedures.


4) Can my spouse or children be reimbursed for their orthodontic expenses?

Yes. The funds can be used by any person claimed as a dependent on the FSA owner’s tax return with certain qualifications.


5) What documentation is required for reimbursement?

Your receipts from the orthodontist office showing the name of the person receiving the treatment, date of the treatment, and the amount you paid. Credit card slips, bank statements, or cancelled checks are not valid documentation under IRS rules.


6) How much will be reimbursed?

Depending on what plan you opt for, you may be eligible to get fully reimbursed, including the initial fee.


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