Mother Nature doesn’t bless everybody with a perfectly straight set of teeth. Luckily, modern orthodontic technology can still help you attain an even smile. If you think affordable braces are out of reach financially, think again. Your Flexible Spending Account (FSA) or Health Savings Account (HSA) can help you cover the costs. Find out how it works below.

What Is an FSA or HSA?

An FSA is designed to pay for out-of-pocket health care costs that your health insurance doesn't cover. Most employers provide access to one as part of their health care plan. The money you contribute to this account—limited to $2,600 per year per employer—is not taxed.

An HSA is similar. It's a private savings account where you can put money—without paying taxes on it—to cover health, dental, and vision care that isn't covered by insurance.

Unlike an FSA, however, an HSA works only along with a High Deductible Health Plan (HDHP), which covers more serious injuries. The point is to lower your insurance premiums while using tax-free money to pay for preventive care.

How Can You Get Your Braces Covered?

Braces are considered preventive dental care by the IRS in its description of FSA coverage. To tap into it, you simply have to get orthodontics work during your FSA benefit period. You pay the expenses out of pocket and then file a claim on the FSAFEDS website for reimbursement. To file an HSA claim, you have to go directly through your provider.

If you're interested in braces, the team at Delgado Orthodontics of North Richland Hills, TX, can help. These professional orthodontists serve residents throughout Tarrant County, improving the lives of kids, teens, and adults by helping them smile their brightest and fullest. They rely on cutting-edge technology and the latest state-of-the-art techniques to give their patients the best care possible. Learn more about their braces and Invisalign® offerings online. Book a consultation visit by calling (817) 282-1821.