Can you believe it? It’s almost 2025! That means we’re gearing up for a new year — and FSA deadlines are right around the corner.
If you have a Flexible Spending Account (FSA), now is the perfect opportunity to use those funds in one of the most impactful ways – for affordable orthodontics in Oviedo, Winter Springs or Waterford Lakes!
The clock is ticking, and many FSA funds expire at the end of the year, so don’t let that money go to waste. Your team at Premiere Orthodontics is here to provide affordable orthodontics and help you make the most of your FSA.
Here’s everything you need to know:
What is an FSA, and how does it work?
An FSA, or Flexible Spending Account, is a special account set up by your employer that allows you to set aside pre-tax dollars to save for qualified medical expenses. Because your contributions are taken out before tax is applied, you get more value for your money.
FSAs are awesome, because they can be used for a range of healthcare needs, including orthodontic treatment!
Most FSA funds must be used by the end of the year, or they expire. That’s why it’s so important to act now if you’ve been considering orthodontic treatment. Don’t let those funds go to waste!
What about HSAs for braces or Invisalign / Clarity™ 3M™?
Health Savings Accounts (HSAs) are similar to FSAs, but have a few key differences. These accounts are owned by you (not employer-owned like FSAs) and allow you to make contributions with pre-tax income. The funds in your HSA can also accrue interest, and any growth is tax-free.
FSA vs HSA:
- FSA: These accounts are generally “use it or lose it,” meaning the funds must be spent by the end of the year. FSAs are flexible in what they cover, including orthodontics. These savings accounts do not accrue interest.
- HSA: Funds in an HSA can roll over year after year. Not everyone is eligible for an HSA, and they’re typically tied to high-deductible health plans. Health Savings Accounts do earn interest.
Can you use your FSA for orthodontics?
Absolutely! Orthodontic treatments, like braces and Invisalign/Clarity™ 3M™, are FSA-eligible expenses. Whether you’re interested in orthodontic treatment for yourself or your child, FSA funds can cover a significant part of the cost.
At Premiere Orthodontics, we accept FSA payments, and we’re more than happy to explain the process and help you to get the best value from your account. If you have any questions, just reach out to us!
Do you have to use your FSA by the end of the year?
In most cases, yes! Be sure to check with your employer to confirm the exact deadline for FSA spending and avoid losing any of your hard-earned funds.
Can you use HSA for braces?
Yes, orthodontic treatments are eligible expenses for Health Savings Accounts too! If you need braces or clear aligners to correct crooked teeth, crowded teeth, gapped teeth, a bite misalignment or another orthodontic issue, applying your HSA funds can reduce your out-of-pocket cost significantly.
While you don’t have to use your HSA funds by the end of the year, it’s always a smart move to double-check with your HSA provider to understand your account’s specifics and make sure you’re getting the most out of your savings.
Using FSA for Braces and Invisalign
If you’re considering braces or clear aligners for you or your child, using your FSA pre-tax dollars is a smart way to get the most value for your buck.
And the best part is — you can combine FSA funds or HSA funds with insurance coverage to reduce your out-of-pocket cost significantly. Let’s say your insurance policy covers $1,500 worth of treatment; if you apply your FSA or HSA funds, you could have 90% or more of your orthodontics cost covered!
At Premiere Orthodontics, we’re known for providing the highest standard of modern orthodontic care at an accessible price. Experience one-of-a-kind digital orthodontics with a convenient virtual care approach – and flexible financing that makes 3M Clarity / Invisalign and braces affordable.
Is Invisalign FSA eligible? You bet!
Thinking about using FSA for Invisalign or Clarity™ 3M™ clear aligners? Good news: Clear aligners are FSA eligible!
Invisalign and Clarity™ 3M™ aligners are a popular choice for kids, teens and adults in Oviedo, Winter Springs and Waterford Lakes! Clear aligners are virtually-invisible and custom-designed to fit your smile snugly. You have the freedom to take them out to eat and clean your teeth, and they’re undetectable when you smile.
Book a complimentary consultation to apply those FSA or HSA funds, and begin your 2025 transformation!
How to Use FSA Money Before the End of the Year
If you’re ready to use your FSA funds for orthodontic treatment, here’s how to do it in three simple steps:
- Check your FSA balance: Log in to your FSA account and see how much money you’ve racked up!
- Book a consultation with us: Book a complimentary consultation with us at one of our orthodontist offices in Oviedo, Winter Springs or Waterford Lakes. We’ll reach out to schedule your appointment ASAP, and we can answer any questions you have regarding your FSA coverage and upcoming smile transformation!
- Start smiling: On your first visit, you’ll sit down with one of our friendly treatment coordinators who will walk you through the financing process: applying your FSA funds and understanding your insurance benefit (we’ll do all the paperwork for you!) We’ll create a custom FSA braces payment plan that makes the cost of braces or the cost of clear aligners work for your budget.
Take the first step today.
As the year is coming to a close, FSA deadlines are just around the corner. Don’t miss out on the chance to make the most of your savings and step into 2025 with a smile that lights up the room!
Using your FSA funds can feel like a race against time — but we’re here to guide you through the process! Book your complimentary consultation with us, and we’ll take it from there.
Come see us at one of our orthodontist offices in Oviedo, Winter Springs or Waterford Lakes!
