Limited Purpose Flexible Spending Accounts (LPFSA) are tax-advantaged accounts that let you, your spouse, and eligible dependents use pre-tax money to pay for eligible dental and vision expenses. You can also pair an LPFSA with a Health Savings Account (HSA) to maximize your tax savings.
Here are the top 10 ways to spend your LPFSA funds on eligible dental and vision expenses:
#1 Dental cleaning
Regular dental cleanings are essential for maintaining oral health. Your LPFSA can cover the cost of routine cleanings, including scaling and polishing, so you can keep your teeth and gums healthy without dipping into your HSA.
#2 Eye exam
Annual eye exams are an important part of your overall health care. Use your LPFSA to pay for comprehensive eye exams, including screenings for common eye conditions and vision correction needs.
#3 Eyeglasses and contact lenses
Prescription eyeglasses and contact lenses are among the most popular LPFSA-eligible expenses. This includes frames, lenses, and contact lens supplies.
#4 Braces or Invisalign
Orthodontic treatments like braces or Invisalign are eligible LPFSA expenses. These treatments can be costly, so using pre-tax dollars can lead to significant savings.
#5 Lasik eye procedure
LASIK and other corrective eye surgeries are eligible under your LPFSA. These procedures can eliminate the need for glasses or contacts and your LPFSA can help cover the cost.
#6 Dentures
Dentures and related dental work, including fittings and adjustments, are covered by your LPFSA. This includes both full and partial dentures.
#7 Over-the-counter Eyedrops
Over-the-counter eyedrops for dry eyes, allergies, or other conditions are eligible LPFSA expenses. No prescription is needed for these common vision care products.
#8 Occlusal mouth guards
Mouth guards used for teeth grinding (bruxism) or TMJ disorders are eligible for LPFSA reimbursement. Both custom-fitted and over-the-counter options qualify.
#9 Oral pain reliever
Over-the-counter oral pain relievers, such as topical gels and rinses designed specifically for dental pain, are eligible LPFSA expenses.
#10 Eye patch
Eye patches used for medical purposes, such as treating amblyopia (lazy eye) or protecting an injured eye, are eligible LPFSA expenses.
For current contribution limits, visit this page. For more information about LPFSAs, visit our Help Center.
