A Dental & Vision FSA is also known as a Limited Purpose FSA or LP-FSA. It's an employer arrangement that lets you pay for eligible dental and vision expenses with tax-free dollars. At the employer's discretion, eligible medical expenses incurred after the deductible is met may also be reimbursable.
Eligibility
It's simple to have a Dental & Vision FSA; your employer just needs to offer it!
Note: You can have a Dental & Vision FSA with an HSA.
Limits
| Total Maximum Contribution | Employer Contributions | Maximum Rollover Limit |
2025 | $3,300/yr | Up to $500 → $1:$1 | $660 |
2026 | $3,400/yr | Up to $500 → $1:$1 | $680 |
While there is a general maximum rollover limit for Dental & Vision FSAs, it is up to your employer to decide if they will allow rollovers. Some employers may choose to allow up to a two-month and fifteen day extension to the FSA spending deadline instead of allowing rollovers.
If they do not allow either, check out what you can spend on and plan ahead!
Eligible LP-FSA Expenses
Insurance premiums or costs for temporary continuation of coverage (TCC) cannot be paid with FSA funds.
Dental | Vision |
Dental (Co-insurance, Co-Payment, and Deductible) | Vision (Co-insurance, Co-Payment and Deductible) |
Semi-annual cleaning | Optometrist / Ophthalmologist visit |
Sealants | Contact lenses |
Bridge | Contact lens solution |
Denture | OTC eye drops and treatments |
Implants | Prescription Eyeglasses/Sunglasses |
Adhesive | OTC Reading Glasses |
Invisalign or clear aligners | Lasik |
Occlusal guards | Keratotomy |
Orthodontia |
|
OTC toothache and teething pain reliever |
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*OTC = over-the-counter
Other |
Mileage (for travel to/from eligible dental or vision care) |
Transportation: Bus, Train, Taxi, Parking expenses (for eligible care/expenses) |
Payment Processing Fees (for eligible expenses) |
Sales tax, shipping, and handling fees (for eligible expenses) |
Limited Eligibility | Requirements/Limitations |
Dental Veneers |
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Medicated Toothpaste |
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Waterpik flosser |
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Lodging |
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