Does FSA cover teeth whitening?
Teeth whitening is a cosmetic procedure, so it's not a qualified FSA expense — even when a dentist performs it.
What flips the answer
- Covered when
The dental visit also includes qualifying treatment (a cleaning, filling, or care for dental disease) — that portion is eligible, though the whitening still isn't.
- Not covered when
The whitening is to brighten appearance — whether strips, trays, or an in-office procedure.
IRS Publication 502 excludes procedures done to improve appearance rather than treat a disease or defect. It specifically names teeth whitening as an example of a non-qualified cosmetic expense.
That holds whether you buy over-the-counter whitening strips or have the procedure done in a dental office. The setting doesn't change the purpose — it's cosmetic, so FSA funds can't be used.
Other dental care around it can still qualify. Cleanings, fillings, and treatment for dental disease are eligible; only the whitening itself is carved out as cosmetic.
That's the general answer. Yours is written in your actual policy.
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