Posted: December 4, 2017
If you have a flexible spending account (FSA) or a health savings account (HSA), you may lose all of your contributions at the first of the year. To avoid losing the money you have paid into your FSA or HSA, now is the best time to schedule services at with Buffalo cosmetic dentist Dr. Larry Evola. Acting now will allow Dr. Evola to provide services before your benefits expire, enabling you to pay for treatments not fully covered by insurance without having to dip into your checking account.
Many of the services offered at Forestream Dental are covered by FSA and HSA plans. Some of the most popular options are:
- TMJ treatment
- Treatment for sleep apnea
- Invisalign® and clear braces
- Porcelain crowns
- Dental implants
- White fillings
These services are restorative or corrective, but may not be covered in full by dental insurance. Most HSA and FSA plans will allow funds to be used for these reliable, effective, and long-lasting dentistry treatments. It is, however, a good idea to check with your plan administrator before relying on your FSA or HSA as a method of payment.
What is not Covered by HSA and FSA Plans?
Restorative services with cosmetic benefit are often covered by HSA and FSA plans. Cosmetic stand-alone treatments are not. While not impossible, it is highly unlikely that your FSA or HSA will cover cosmetic dentistry treatments such as:
- Tooth whitening
- Porcelain veneers
- Cosmetic dental bonding
- Smile makeover treatment
Health savings accounts and flexible spending accounts are intended to cover necessary medical expenses that are not included in your insurance policy. They are not intended to cover the cost of services that could be considered unnecessary for the proper functioning of your smile.
Financing Cosmetic Dentistry
If you are considering cosmetic dentistry in Buffalo, we welcome an opportunity to meet with you and cover, in person, your financing options. Among these are healthcare financing services from Enhance Patient Financing and Springstone, companies that offer competitive rates, promotional APRs, and other incentives that can make covering the cost of your treatment affordable. During your initial consultation, we can discuss these options in greater detail to help you determine if one would be a good fit for your needs.
While cosmetic dentistry treatments may seem unnecessary, the truth is that they offer a number of impressive benefits. Not only can cosmetic service help improve your self-confidence and enhance your self-esteem, the right service can even improve job prospects and help you put your best face forward no matter what you do. Studies have shown that people with attractive smiles are more likely to be paid higher, to be given high profile positions, and to viewed by peers as successful.
If you are looking for the safest and most effective ways to enhance, strengthen, and beautify your smile, please call Forestream Dental at 716-656-8686 to schedule a consultation today. Located in Depew, Dr. Evola provides advanced cosmetic dentistry services to people in Buffalo, Lancaster, and all surrounding areas of New York.