Dental
Is teeth whitening FSA eligible?
No — teeth whitening is not FSA or HSA eligible.
Whitening is cosmetic, and cosmetic procedures are explicitly excluded — strips, in-office treatments, and whitening toothpaste alike.
Not eligible — find a close match instead
Teeth whitening doesn't qualify on its own, but a near neighbor often does — the medicated or SPF version of a product, or an in-office treatment instead of the at-home one. Search the eligibility checker for an alternative your FSA will cover.
Does the same answer apply to an HSA?
Yes. FSAs and HSAs share the same qualified-medical-expense rules (IRS Publication 502), so eligibility is identical. The difference is the deadline: FSA money is forfeited at the end of the plan year, while HSA money never expires.
Last reviewed 2026-06-11. Based on IRS Publication 502 and published IRS guidance. Not tax or medical advice — your plan administrator has the final say.