Can Flex Spending Accounts Cover the Costs of Oral Surgery?

By markplatt on July 29, 2014

Older couple with healthy, attractive smilesMost people take great care to protect the health of the teeth, gums, and jaw. However, despite ones best efforts, it is not uncommon for health complications to occur. Accidents, traumatic injury, genetics, and aging all can have a significant effect on the structure and health of the mouth. Fortunately, almost all of these problems can be effectively treated, in many cases with oral surgery. Although oral surgery is effective in improving oral health and addressing a number of dental complications, it is often a pricy treatment. The staff at Oral and Maxillofacial Surgery Associates works with our patients to get them the dental care that is necessary for improving oral health with as little financial strain as possible. We discuss with our Montgomery patients oral surgery and FSAs (flex spending accounts) to cover the out-of-pocket costs of these procedures.

Do FSAs Cover Oral Surgery?

For those patients whose employers offer FSAs, or flex spending accounts, the terms of this agreement will vary. Because of this, it is important to investigate the specific rules and regulations of each patient’s flex spending account. However, in general, FSAs do approve the costs of oral surgery. Because oral surgery is a procedure to improve the health and function of the teeth, gums, or jaw, it is considered a medical, and not cosmetic procedure, and will likely qualify under the regulations of most flex spending accounts.

How Do I Use an FSA to Pay for Oral Surgery?

When using an FSA to cover the out-of-pocket expenses of oral surgery, it is important to carefully plan ahead. A flex spending account must be set up at the beginning of the employer’s fiscal year. At this point, employees will need to designate an amount of money to be placed in the account (most employers set a maximum contribution). Over the coming year, a set amount of money will be deducted from the employee’s paycheck each month, prior to taxes. This money becomes part of the FSA and is available to cover out-of-pocket medical expenses, such as oral surgery. Any money that remains in an FSA account at the end of the fiscal year will be lost, so we encourage patients not to hesitate in scheduling necessary oral work.

Before scheduling oral surgery, patients should consult their FSA to verify that the specific surgical procedure does qualify as an approved medical procedure. We will work with our patients to retrieve any applicable insurance coverage before the out-of-pocket cost for patients is determined. Any remaining costs for patients can be paid for using their flex spending account, which is often in the form of a pre-loaded debit card, or credit card. If there is any remaining cost after applicable insurance coverage and the FSA have been applied, patients will be responsible for this additional cost. In these cases, our staff is happy to discuss additional financing options.

Schedule an Appointment

Oral surgery is beneficial to a patient’s oral and general health. If you are in need of oral surgery, schedule an appointment with one of our experienced surgeons to discuss your unique needs. We can create a plan of treatment as well as discuss your financing options for covering the expenses of your treatment. 

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I wish to thank publically Dr. Ingalls and his staff for "going the extra mile" and not only providing great dental care but also helping a fellow human being out of compassion and caring. Thank you from the bottom of my heart for what you did for my family member.

Rodney H.


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