You can use a L-FSA only to pay for eligible out-of-pocket dental and vision expenses. Eligible expenses include:
- Dental and orthodontia care, including fillings, X-rays and braces. Tip: don’t use your debit card to pay estimated dental expenses. Wait on your insurance to pay, and then only pay your dentist the actual amount the insurance company says you owe.
- Vision care, including eyeglasses, contact lenses and LASIK surgery
Funds in a L-FSA may only be used to pay for eligible vision and dental expenses. But if you have a health savings account (HSA) you may also open an L-FSA. This helps you continue to grow your HSA funds if you anticipate high vision or dental expenses in a year.