Flexible Spending Accounts Pittsburg, KS
Flexible spending accounts or flexible spending arrangements, also known as FSAs, are a type of savings account offered to employees by their employers. Employees can contribute a portion of their regular earnings, or employers can contribute to the employees' accounts. The employee must use these contributions for reimbursement for qualifying expenses related to dental and medical services.
At Smile Solutions, we are proud to serve patients in Pittsburg and the surrounding area. We accept FSAs and dental insurance. Call us today at (620) 670-9817 to schedule an appointment or learn more about our services.
How FSAs Work
FSAs can help bridge the gap left by other health insurance plans. They allow employees to use tax-free funds to cover out-of-pocket health care expenses, and they sometimes replace a traditional employer health insurance plan.
Employees can also use their FSA to supplement a marketplace plan. In other cases, the FSA may supplement an employer-sponsored health care plan. Either way, the FSA has one central purpose: to cover out-of-pocket expenses.
Employees contribute a limited amount of money to their FSA each year. These funds are taken out of the paycheck before taxable income is calculated. Afterward, employees have one year to use their funds on approved health care expenses. FSA funds can apply toward deductibles, copayments, and coinsurance. Some prescription drugs and over-the-counter medications are covered. Employees can even pay for medical devices like crutches using their FSA.
“FSA can help bridge the gap left by other health insurance plans.”
Pros and Cons of an FSA
The primary advantage of an FSA is tax savings. FSA funds are deducted before taxes, thus lowering an employee's overall taxable income. As a result, some actually find that an FSA increases their take-home pay. Additionally, FSA funds are always available and can even be linked to a debit card for extra convenience. FSAs also do not require pre-approval or additional paperwork.
Still, FSAs also come with their own set of disadvantages. For one thing, there is a limit to the amount of money that employees can contribute per year. For another, FSA funds are intrinsically linked to an employer – meaning employees cannot keep their current FSA if they change jobs.
“The primary advantage of an FSA is tax savings.”
Saving Money With an FSA
An FSA allows employees to set aside a certain amount of money from each paycheck. At most workplaces, enrollment in an FSA is available for only a limited amount of time. Employees should consult their employers for the full details on how to sign up for an FSA. It is also important to determine how much money they plan to save during the enrollment period.
Underestimating how much money one should save may cause one to miss out on tax savings, while overestimating may cause one to lose money. As such, each individual must consider their unique circumstances. Once they have enrolled, the set amount of money will be deducted from each paycheck. Funds expire on March 15 of the following year.
“An FSA allows employees to set aside a certain amount of money from each paycheck.”
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How to Use FSA Funds
Patients can use their FSA to cover most dental expenses, including routine care. But not all procedures and treatments are eligible. Before scheduling a dental procedure, patients should talk to their employer and plan provider. Cosmetic procedures, including cosmetic orthodontics, are usually not covered under an FSA. However, if a patient needs orthodontics for medical purposes, they might be allowed to use their FSA funds. Our dental team can work with your plan provider to determine coverage.
“Cosmetic procedures, including cosmetic orthodontics, are usually not covered under an FSA.”
Questions Answered on This Page
Q. Can I use my FSA to pay for dental care?
Q. What are some of the pros and cons of an FSA?
Q. How can I save money with an FSA?
Q. What is covered under an FSA?
People Also Ask
Q. Do HSAs cover dental treatments?
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Q. How can someone determine what type of dentist or service they need?
Q. What is the importance of having a routine dental checkup?
Treatments Covered by an FSA
FSAs cover most preventative and diagnostic procedures, along with certain medical devices. However, some exceptions may apply. FSAs are commonly used for things like:
- Coinsurance
- Copays
- Deductibles
- Eye surgery
- Eyeglasses
- Hearing aids
- Hospital expenses
They also cover several kinds of dental services, such as:
- Crowns, bridges, and dentures
- Diagnostic and preventive care
- Filling, sealants, and extractions
- Gum disease treatment
- Oral surgery
- Routine cleanings
Employees should contact their employer and plan provider with any questions and concerns they have about rules and exemptions regarding their FSA. They will also need to find out what is not covered under their plan.
“Employees should contact their employer and plan provider with any questions and concerns they have about rules and exemptions regarding their FSA.”
Frequently Asked Questions
Q. What is the maximum amount I can put in my flexible spending account?
A. While maximum annual contributions may vary, the most you can put into a medical FSA is $2,750. The yearly maximum for a dependent care FSA is $5,000. Ask your employer for more details about your policy.
Q. Do my FSA funds roll over?
A. It depends on your employer. If you have money left in your flexible spending account at the end of the year, your employer may give you 2.5 more months to spend the money. They may also allow you to carry over up to $500 for the next plan year.
Q. What is the difference between a medical FSA and a dependent care FSA?
A. As the names suggest, medical FSAs are reserved for medical expenses only. Dependent care FSAs are reserved for dependent care services. The latter include before or after-school programs, child or adult daycare, preschool, and summer day camp.
Q. What is the difference between an FSA and an HSA?
A. Flexible spending accounts (FSAs) are owned by an employer. Health savings accounts (HSAs) are controlled by an individual. However, both allow employees to save on their medical expenses with pre-tax money.
Q. Are FSAs the same as HRAs?
A. No. Flexible spending accounts (FSAs) are funded by the employee and sometimes by the employer. In contrast, HRAs are funded only by the employer. However, patients can have both accounts at once.
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Dental Terminology
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An FSA can help you set aside health care funds and save money at tax time. If your health care plan doesn't cover out-of-pocket dental expenses, an FSA might be able to help. But it's your job to make sure that your funds don't expire. If you don't use your FSA funds each year, you may forfeit the money.
Let Smile Solutions in Pittsburg help you put your FSA to use. Call us at 620-670-9817 to learn more about applying FSA funds toward dental care.
Helpful Related Links
- American Dental Association (ADA). Glossary of Dental Clinical Terms. 2025
- American Academy of Cosmetic Dentistry® (AACD). Home Page. 2025
- WebMD. WebMD’s Oral Care Guide. 2025
About our business, and website security
- Smile Solutions was established in 2025.
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- We serve patients from the following counties: Crawford County
- We serve patients from the following cities: Pittsburg, Girard, Frontenac, Arma, Mulberry, Weir, Fort Scott, Columbus, Baxter Springs, and Galena
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