When it comes to utilizing Health Spending Accounts under the guidelines provided by the Canada Revenue Agency (CRA), it's important to understand which dental expenses are eligible and which are not. One common question we receive involves the eligibility of teeth whitening:
Teeth Whitening: Not Eligible Unfortunately
Teeth whitening, while popular for enhancing the appearance of one's smile, is considered a purely cosmetic procedure. According to the CRA, any dental work covered by an HSA must have a medical benefit and not be solely for cosmetic purposes. Since teeth whitening does not provide any medical benefit, it is not an eligible expense under an HSA.
So, then why are Braces and Invisalign Covered?
On the other hand, braces serve a dual purpose. While they can improve the appearance of teeth, and that's a lot of peoples motivation for getting orthodontic treatment, they also correct the patient's bite, ensuring proper alignment and function of the teeth and jaw. This corrective aspect provides a clear medical benefit, making braces an eligible expense under an HSA because it's not a purely cosmetic treatment!
Key Takeaway
When considering dental expenses for reimbursement under your HSA, always ask yourself if the procedure serves a medical purpose beyond cosmetic improvement. Procedures like teeth whitening, which offer no medical benefit, are not covered. In contrast, treatments like braces that correct dental and orthodontic issues are eligible.
By understanding these distinctions, you can make informed decisions about your healthcare spending and ensure compliance with CRA regulations.
Questions? Reach out to support@getmyhsa.com or open a live chat with us!