As the year comes to a close, now is the time to take care of your health – especially your smile.
If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you may have
funds available that can be used toward dental care before year-end deadlines. These pre-tax
dollars are yours to use, and many patients are surprised by how much dental treatment
qualifies.
At Chestnut Ridge Dental in Woodcliff Lake, NJ, we help patients make smart decisions for their
health while getting the most value from their insurance and HSA/FSA benefits. Our team delivers
trusted, high-quality dentistry with a personalized experience designed around your comfort and
long-term results.
Eligible Treatments You Can Use FSA or HSA Funds For
You do not have to wait to get the smile or care you deserve. Here are common dental services
that may qualify for HSA or FSA funds:
Clear Aligners and Orthodontics
Straight teeth are about more than confidence – they support better long-term oral health. Clear
aligners may be eligible for FSA/HSA use, especially when correcting a functional issue like
overcrowding or bite misalignment. Treatment improves appearance, helps prevent tooth wear,
and makes brushing and flossing easier.
Restorative Dentistry
Dental problems only get worse when ignored. Use your benefits to restore your smile now and
avoid bigger costs later. Eligible treatments may include:
● Tooth-colored fillings
● Crowns and bridges
● Root canal therapy
● Dentures and partial dentures
These services protect your oral health by restoring strength, function, and comfort.
Preventive Care
Prevention is always the smartest investment. Most HSA/FSA plans cover:
● Routine dental cleanings
● Comprehensive exams
● Digital X-rays
● Fluoride and periodontal maintenance (if medically necessary)
These visits keep your smile healthy and detect small issues before they become major problems.
Periodontal (Gum) Therapy
Gum disease is extremely common, and treating it early is essential for your health. HSA and FSA
funds can be used for:
● Scaling and root planing
● Periodontal maintenance cleanings
● Medications or treatments prescribed by your dentist
Untreated gum disease has been linked to diabetes, heart disease, and inflammation – so don’t
delay treatment.
Teeth Whitening (When Medically Necessary)
While cosmetic procedures typically are not covered, whitening may qualify in certain
circumstances, such as discoloration from trauma or medication. Check with your plan
administrator if you are unsure.
Tip: Always verify coverage details with your HSA/FSA provider before scheduling
treatment.
Why You Should Schedule Now
If you have an FSA, most plans follow a “use it or lose it” rule – unused funds may expire at the
end of the year. While HSAs often roll over, using your available balance now is a great way to
stay proactive while maximizing tax savings.
If you’ve been putting off treatment or considering a smile upgrade, now is the perfect time to
take action.
Experience Elevated Care at Chestnut Ridge Dental
At Chestnut Ridge Dental, we believe excellent dentistry begins with relationships, expertise, and
trust. Patients choose us for:
● Personalized care plans
● Advanced technology in a private and comfortable setting
● Compassionate team focused on total dental wellness
● Convenient appointments and financial guidance
● Comprehensive smile solutions for long-term results
Serving patients across Bergen County and Rockland County, we proudly welcome families and
professionals from Saddle River, Montvale, Ramsey, Woodcliff Lake, Ridgewood, Park Ridge, Hillsdale, and surrounding communities.
Use Your Benefits Before They Expire
Don’t let your hard-earned HSA or FSA dollars go unused. Whether you’re due for a cleaning,
want to start a clear aligner journey, or need restorative care, our team is here to help.
Now is the best time to schedule – appointments fill quickly at the end of the year
