Night guards are an essential dental appliance for those suffering from teeth grinding (bruxism) and jaw clenching, but they can come with a hefty price tag. In fact, some dental offices charge nearly $1,000 for a custom night guard. When you're experiencing the discomfort and potential damage caused by bruxism, finding an affordable solution is critical. Fortunately, many flexible spending accounts (FSA) and health savings accounts (HSA) classify night guards as eligible medical expenses. This means you can use these tax-free funds to help cover the cost of a night guard.
With Hynergy Guard, you can use your FSA or HSA card directly at checkout to get the protection you need without the financial burden.
Dental Night Guard FSA and HSA Eligibility
Both FSAs and HSAs are tax-advantaged savings accounts offered as part of many healthcare plans, designed to help cover out-of-pocket medical and dental expenses for you, your spouse, and dependents. These accounts can be used for a wide range of eligible expenses, including custom night guards for bruxism.
Conditions such as TMJ, bruxism, and other related issues typically fall under eligible dental expenses. This means you can use your FSA or HSA funds to pay for:
- Custom dental night guards
- Occlusal guards
- Over-the-counter mouthguards
- Dentures
However, be sure to verify with your provider, as eligibility may vary slightly depending on your specific plan. Your account will likely have a detailed list of qualifying expenses that can usually be accessed online.
Note: Occlusal guards and night guards are not eligible under a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).
How to Use Your FSA or HSA to Purchase a Night Guard
Once you've confirmed that a dental night guard is an eligible expense under your FSA or HSA plan, using those funds to pay for your guard is straightforward. Here’s how:
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Using an FSA/HSA Debit Card
Most FSAs and HSAs come with a debit card for easy access to funds. Simply enter your card information during checkout when purchasing a custom night guard from Hynergy Guard. Be sure to save your receipt in case your employer or insurance provider requests documentation later. You may also need to provide a statement from your dentist confirming the need for the night guard. -
Submitting a Reimbursement Claim
If your account doesn’t provide a debit card, you’ll need to pay for the night guard out of pocket and then submit a claim for reimbursement. Be sure to include proof of the purchase, such as your receipt and, if required, a statement from your dentist that shows the night guard wasn’t covered by insurance. Once approved, you’ll receive the reimbursement from your FSA or HSA.
Since account procedures can vary, talk to your employer or benefits provider if you’re unsure how your plan works or what documentation is necessary.
FSA vs. HSA: What's the Difference?
While both FSAs and HSAs allow you to set aside money for qualified medical and dental expenses, there are some key differences:
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HSA (Health Savings Account):
With an HSA, the account is owned by you, and any unused contributions roll over to the next year. This makes it a flexible, long-term option for managing medical expenses. -
FSA (Flexible Spending Account):
An FSA is owned by your employer, and contributions typically do not roll over to the next year. If you have an FSA, it’s important to use your funds before the end of the year to avoid losing them. If you’ve been putting off purchasing a night guard and have unused FSA funds, now is the perfect time to invest in one and relieve your jaw pain from bruxism.
Invest in Your Oral Health with Hynergy Guard
Night guards are a worthwhile investment to protect your teeth from the long-term effects of bruxism and TMJ. If you have an FSA or HSA, you can take advantage of these funds to make your purchase more affordable. At Hynergy Guard, we make the process easy, allowing you to use your FSA/HSA card at checkout or provide the documentation you need for reimbursement.
Ready to protect your smile? Order your custom night guard today and experience the comfort and relief of a professionally crafted dental appliance designed just for you.
