A Dental & Vision FSA is also known as a Limited Purpose FSA or LP-FSA. It's an employer arrangement that lets you pay for eligible dental and vision expenses with tax-free dollars. At the employer's discretion, eligible medical expenses incurred after the deductible is met may also be reimbursable.
Eligibility
It's simple to have a Dental & Vision FSA; your employer just needs to offer it!
Note: You can have a Dental & Vision FSA with an HSA.
Limits
| Total Maximum Contribution | Employer Contributions | Maximum Rollover Limit |
2024 | $3,200/yr | Up to $500 → $1:$1 | $640 |
While there is a general maximum rollover limit for Dental & Vision FSAs, it is up to your employer to decide if they will allow rollovers. Some employers may choose to allow up to a two-month extension to the FSA spending deadline instead of allowing rollovers.
If they do not allow either, check out what you can spend on and plan ahead!
Eligible LP-FSA Expenses
Insurance premiums or costs for temporary continuation of coverage (TCC) cannot be paid with FSA funds.
Dental | Vision |
Dental (Co-insurance, Co-Payment, and Deductible) | Vision (Co-insurance, Co-Payment and Deductible) |
Semi-annual cleaning | Optometrist / Ophthalmologist visit |
Sealants | Contact lenses |
Bridge | Contact lens solution |
Denture | OTC eye drops and treatments |
Implants | Prescription Eyeglasses/Sunglasses |
Adhesive | OTC Reading Glasses |
Invisalign or clear aligners | Lasik |
Occlusal guards | Keratotomy |
Orthodontia |
|
OTC toothache and teething pain reliever |
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*OTC = over-the-counter
Other |
Mileage (for travel to/from eligible dental or vision care) |
Transportation: Bus, Train, Taxi, Parking expenses (for eligible care/expenses) |
Payment Processing Fees (for eligible expenses) |
Sales tax, shipping, and handling fees (for eligible expenses) |
Limited Eligibility | Requirements/Limitations |
Dental Veneers |
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Medicated Toothpaste |
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Waterpik flosser |
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Lodging |
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