What expenses does a limited purpose flexible spending account (L-FSA) cover?

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.  This will save you lots of time and headaches!)
  • 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 an 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.

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