Most of what we sell is HSA & FSA eligible. We accept your card directly at checkout — no receipts to submit, no third-party redirects, no waiting for reimbursement. The savings appear instantly, as they should.
Enter your purchase amount and tax bracket. We will compose your true cost — what you would pay using HSA / FSA dollars versus standard after-tax income.
A quiet explanation of why these accounts exist, and why dental products sold by your dental practice are among the cleanest eligible purchases you can make.
HSA (Health Savings Account) and FSA (Flexible Spending Account) are accounts the IRS allows you to fund with pre-tax income — earmarked specifically for qualified medical expenses.
Because you never pay federal income tax (or state, in most cases) on dollars deposited into these accounts, your effective cost on any qualified purchase drops by your full marginal tax rate — typically 22% to 37%, plus state.
The IRS publishes a category-by-category list of qualified medical expenses (IRS Publication 502). Dental care — both services and products — sits clearly on the list. Whitening with a prescription, electric and sonic toothbrushes (with a Letter of Medical Necessity, easily provided by our practice), night guards, water flossers, and post-procedure rinses are all eligible.
We make eligibility automatic. No paperwork on your part.
FSA dollars are typically forfeit at year-end if unused. Roughly $4 billion in FSA funds are forfeited annually in the United States — funds you have already earned, taxed-free, simply absorbed back by your employer.
Spending those dollars on lasting dental products — products you would buy regardless — is among the highest-leverage uses of your benefit.
Unlike FSA, HSA funds roll over year after year and can be invested. Withdrawals for qualified medical expenses are tax-free at any age. After age 65, HSA functions like a traditional retirement account for non-medical withdrawals.
When you spend HSA dollars on dental care, you are spending the most tax-advantaged dollars available to most Americans — federal-free, state-free, and FICA-free in many cases.
Both accept the same eligible dental products at our storefront. The distinction lies in how each is funded and what becomes of the dollars at year-end.
The IRS organises eligible dental expenses into three considered categories. Our storefront marks each product accordingly — you may filter by tag at any time.
The questions most patients ask before their first HSA / FSA purchase with us. Select any question to read our considered response.
Your HSA or FSA debit card will bear the Visa, MasterCard, or Discover logo, and will typically also display the words "Health Savings Account," "Flexible Spending Account," or your benefits administrator's name (such as HealthEquity, WageWorks, Optum, or Fidelity).
At checkout, simply enter the card as you would any standard card — our system, powered by our payment partner Sika Health, automatically verifies eligibility against the IRS-defined merchant category for dental products.
Two common causes: an item in your cart may be in our "Cosmetic" category (not HSA-eligible), or your card may have insufficient funds for the total. Our checkout displays a clear breakdown — eligible items in one column, ineligible in another — so the situation is always transparent.
If a portion of your order is eligible and another is not, you may split the payment: HSA card for the eligible portion, standard payment for the rest. Our checkout walks you through this.
For most products — including our entire post-procedure care line and custom night guards — no documentation is needed. The IRS considers these inherently medical.
For certain items (electric / sonic brushes, water flossers, professional whitening for cosmetic-adjacent purposes), a Letter of Medical Necessity strengthens your case in the event of an audit. Marchetti Dental Co. issues these letters at no cost to our patients. Request one from your account dashboard, and we will email it within one business day.
Yes. Recurring purchases of eligible items — monthly post-procedure rinse, quarterly brush head refills, annual nightguard refits — are all HSA / FSA eligible. The card is charged on each billing cycle, automatically.
One quiet advantage: by spreading purchases across the calendar year, you ensure your FSA dollars are used before year-end forfeiture.
Every order generates a fully IRS-compliant receipt — itemised, marked with the dental merchant category, and stored in your account in perpetuity. Download anytime, or forward directly to your benefits administrator.
We retain these records for seven years per IRS guidance.
No. We provide eligibility tooling and IRS-compliant receipts — we do not provide tax advice. For questions specific to your situation, please consult your tax professional or your benefits administrator.
The calculator on this page is illustrative only; actual savings depend on your individual circumstances.
Every contribution limit, eligibility rule, and statistic on this page draws from primary sources — IRS publications, federal regulations, and reputable financial institutions. We cite them all.
Browse the collection, build your bag, and pay with the dollars you have already earned — composed for exactly this purpose.
— The information on this page is provided for educational purposes only and does not constitute tax, legal, or medical advice. HSA and FSA eligibility is determined by the Internal Revenue Service (IRS Publication 502). For guidance specific to your situation, please consult a qualified tax professional or your benefits administrator. Marchetti Dental Co. issues Letters of Medical Necessity for our existing patients at the discretion of our practising dentists. —