Flexible Spending Accounts (FSA) Explained

A Flexible Spending Account (FSA) is an employer-sponsored benefit that allows you to set aside pre-tax dollars for eligible medical expenses, including dental care. Understanding how FSAs work can help you save money on treatments at Esthetic Smile in Tulare, CA.

How Does an FSA Work?

With an FSA, you elect to contribute a set amount of money from your paycheck each pay period before taxes are taken out. The full annual amount is available to use from day one of the plan year. Common eligible dental expenses include:

• Dental exams and cleanings

• Fillings, crowns, and bridges

• Orthodontic treatment

• Extractions and oral surgery

Important FSA Rules to Know

FSAs are subject to a "use-it-or-lose-it" rule, meaning unused funds may be forfeited at year end. Some employers offer a grace period or allow a small rollover amount. The IRS sets annual contribution limits, so it is important to plan your dental expenses for the year in advance. Using your FSA at our Tulare dental office is simple — just let us know at scheduling and we will verify eligibility.

Frequently Asked Questions

Can I use my FSA for cosmetic dental procedures?

Generally, FSAs cover medically necessary dental treatments but not purely cosmetic procedures like teeth whitening or veneers. However, some treatments that improve function and appearance — such as crowns — may qualify. Check with your FSA administrator for specifics.

What happens if I don't use all my FSA funds?

Unused FSA funds are typically forfeited at the end of the plan year under the "use-it-or-lose-it" rule. To avoid losing money, schedule any pending dental work before year end. We can help you plan treatment to maximize your FSA benefits before they expire.

Use Your FSA Benefits at Esthetic Smile in Tulare, CA

Don't let your FSA dollars go to waste — use them on the dental care you and your family need. Schedule your appointment today with Dr. Sonam Rambhia, DDS and our team will be happy to assist you.

📍 Address: 1040 N Cherry St, Tulare, CA 93274

📞 Phone: 559-686-1773