What if you had a stash of tax-free money waiting to help pay for braces or Invisalign? Good news—you just might! Many patients don’t realize that their Health Savings Account (HSA) or Flexible Spending Account (FSA) can be used to cover orthodontic costs. Dr. Gary Sexson II at Sexson Orthodontics helps families in Rockford and Roscoe make the most of these accounts, turning smart financial planning into a step toward a healthier smile. Let’s break down how these funds work and how you can put them to good use.
HSA vs. FSA: What’s the Difference?
Before swiping that HSA or FSA card at Sexson Orthodontics, it helps to know what you’re working with. Both accounts set aside pre-tax dollars for medical expenses, but they aren’t exactly the same.
Health Savings Account (HSA)
- Available if you have a High-Deductible Health Plan (HDHP)
- Funds roll over each year, so unused money isn’t lost
- Contributions earn interest and are tax-deductible
Flexible Spending Account (FSA)
- Usually offered through your employer
- Most accounts follow a use-it-or-lose-it rule, meaning funds must be spent by year-end
- Contributions lower your taxable income
Understanding these differences can help you decide how and when to use these funds for orthodontic treatment. Now, let’s talk about which treatments qualify!
What Orthodontic Treatments Can You Pay for with an HSA or FSA?
Not all medical expenses qualify for HSA or FSA funds, but orthodontic care usually makes the cut. If you’ve been thinking about starting treatment at Sexson Orthodontics, here’s what your account can help cover:
- Braces – Metal or clear, both are considered necessary treatments and are eligible expenses.
- Invisalign/Spark clear aligners – As long as it’s for functional corrections (not purely cosmetic), clear aligners can be covered.
- Retainers – Whether you need one during or after treatment, retainers are typically included.
- Orthodontic Appliances – Space maintainers, palatal expanders, and other devices that improve function qualify.
- Mouthguards – Custom guards to protect your teeth during treatment can sometimes be reimbursed.
Cosmetic procedures, like teeth whitening, are usually not covered, but Dr. Gary Sexson II and his team can help confirm which treatments qualify. Now that you know what’s covered, let’s go over the best ways to use these funds for your care.
Smart Ways to Use Your HSA or FSA for Orthodontic Treatment
Knowing your funds can be used for braces or Invisalign is great—but how you use them can make a big difference. Here are some innovative strategies to get the most out of your HSA or FSA at Sexson Orthodontics:
Pay in Full for Possible Discounts
Some orthodontic offices, including Sexson Orthodontics, offer discounts for paying in full. If you have enough saved in your HSA or FSA, this could be a great way to maximize savings.
Time It Right with Your FSA
Since most FSA funds expire at the end of the year, scheduling treatment early helps you avoid losing that money. If your employer offers a grace period, use it to your advantage.
Use Installments for Monthly Plans
If you’re on a payment plan, you can use your HSA or FSA funds to cover each installment as it’s due, making treatment more manageable on your budget.
Keep Those Receipts
If you pay out of pocket first, you can submit receipts for reimbursement. Save all invoices from Sexson Orthodontics so you don’t miss out on eligible funds.
A little planning goes a long way when using these accounts for orthodontic care. Now, let’s go over some common mistakes to avoid so you don’t miss out on any benefits.
Avoid These Common HSA/FSA Mistakes
Even though using an HSA or FSA for orthodontic treatment is a great way to save money, there are a few pitfalls that can trip you up. Here’s what to watch out for:
- Waiting Too Long to Use Your FSA – Unlike an HSA, most FSA funds expire at the end of the year. If you don’t use them, you lose them. Don’t let your hard-earned money go to waste—schedule a consultation at Sexson Orthodontics before the deadline creeps up.
- Forgetting to Check Your Plan’s Coverage – Invisalign isn’t always a guaranteed FSA expense, and some HSAs have fine print when it comes to orthodontic appliances. Before making any big moves, review your plan details or let the experts at Sexson Orthodontics help you sort out what’s covered.
- Not Keeping Records – If you’re counting on reimbursement, treat your receipts like gold—because without them, your claim might not stand a chance.
- Assuming Your Card Will Always Work – Some HSA/FSA cards require providers to be categorized as medical or dental offices. If your card doesn’t go through, paying out of pocket and submitting for reimbursement is a simple workaround.
Making the most of your HSA or FSA is important, but choosing the right orthodontic team matters just as much. Let’s now take a look at why you should choose Sexson Orthodontics for expert care, flexible payment options, and a welcoming experience from start to finish.
Why Rockford and Roscoe Families Trust Sexson Orthodontics
When it comes to orthodontic care, experience, flexibility, and a patient-first approach matter. The team at Sexson Orthodontics, including Dr. Gary Sexson II, has been a trusted part of the Rockford and Roscoe communities for years, helping families achieve healthier smiles with treatment options that fit every lifestyle. From traditional braces to Invisalign, each plan is customized to meet the needs of kids, teens, and adults.
Beyond expert care, affordability is a top priority. With flexible financing, no down payment options, and assistance with HSA/FSA usage, the team makes orthodontic treatment more manageable on your budget. Plus, with two convenient locations—one near Rockford’s bustling East State Street and another just off Main Street in Roscoe—getting to appointments is a breeze.
For families looking for high-quality care without the hassle, Sexson Orthodontics is the go-to choice!
Put Your HSA/FSA to Work—Your Smile Will Thank You!
Why let those tax-free dollars sit unused when they could be bringing you closer to the smile you’ve always wanted? With Sexson Orthodontics, using your HSA or FSA for braces or Invisalign is simple, stress-free, and a smart financial move. Dr. Gary Sexson II and his team are here to help Rockford and Roscoe families make orthodontic care more affordable. Schedule your complimentary consultation today—your future smile is waiting!