It’s hard to believe 2025 is almost over! As the holidays approach, so does another deadline you can’t afford to miss: your FSA funds.
If you have a Flexible Spending Account (FSA), now’s the time to put those dollars to work — and what better investment than a beautiful smile that lasts a lifetime?
Most FSA funds expire at the end of the year, which means if you don’t use them, you lose them. At Caudill & McNeight Orthodontics in Merritt Island, Viera, or Melbourne/Suntree, we make it easy (and affordable) to apply your benefits toward braces and Invisalign®.
Here’s what you need to know before the clock runs out:
TL;DR: Don’t let your FSA dollars disappear!
- Most FSA funds expire at the end of the year, so now’s the time to use them toward a smile that lasts a lifetime.
- Braces and Invisalign are both FSA- and HSA-eligible!
- Your FSA and insurance can work together to save you even more on treatment!
- Caudill & McNeight Orthodontics makes it easy to apply your benefits, handle paperwork, and create a custom FSA payment plan that fits your budget.
- Schedule your complimentary consultation right away to secure your spot and start 2026 with confidence.
- Use it or lose it — your FSA funds can make your dream smile happen!
What is an FSA, and how does it work?
An FSA, or Flexible Spending Account, is a special account set up by your employer that allows you to set aside pre-tax dollars to save for qualified medical expenses. Because your contributions are taken out before tax is applied, you get more value for your money.
The catch? Most FSAs follow a “use it or lose it” rule. If you don’t spend your balance before the end of the year, those funds expire. That’s why acting now is so important if you’ve been considering orthodontic treatment for yourself, or your child.
FSA vs. HSA: What’s the Difference?
Both FSAs and HSAs can be used for orthodontics, but they work differently:
- FSA (Flexible Spending Account): An FSA is employer-owned and follows a “use it or lose it” rule, meaning funds typically must be spent by year’s end (check with your HR team for your exact deadline). It can be used to cover braces and Invisalign, but funds do not roll over, and FSAs do not earn interest.
- HSA (Health Savings Account): An HSA is owned by you, and the funds roll over year after year without expiring. Contributions are tax-free, and the account can even grow with interest. HSAs are usually paired with high-deductible health plans.
Whether you have an FSA or HSA, orthodontics is an eligible expense — which means braces or Invisalign could be more affordable than you think.
Can You Use Your FSA for Braces or Invisalign?
Absolutely! Orthodontic treatments, including braces and Invisalign, are FSA-eligible expenses. Whether you’re interested in orthodontic treatment for yourself or your child, FSA funds can cover a significant part of the cost.
At Caudill & McNeight Orthodontics, we:
- Accept FSA payments for braces and Invisalign
- Walk you through the process step by step, from checking your balance to applying your funds
- Handle the paperwork for you, including claims, itemized receipts, and coordination with your plan when needed
- Are a Blue Diamond Invisalign provider, offering Invisalign and braces for all ages!
If you have any questions, just don’t hesitate to reach out to us at (321) 259-3237. When you choose Dr. Caudill, Dr. McNeight, and Dr. Naglieri, you’re in some of the most experienced hands!
Save More With Your Insurance Benefit
You can use both your FSA and insurance for Invisalign or braces! Insurance can cover a significant portion of your orthodontics cost, and we’re proud to be an orthodontist who accepts insurance.
If you have dental insurance, we’ll calculate your benefit for you, and handle the paperwork for you.
When do FSA Funds Expire?
Do you have to use your FSA by the end of the year?
In most cases, yes! Be sure to check with your employer to confirm the exact deadline for FSA spending and avoid losing any of your hard-earned funds.
Can You Use HSA for Braces or Invisalign?
Yes, orthodontic treatments are eligible expenses for Health Savings Accounts too!
While you don’t have to use your HSA funds by the end of the year, it’s always a smart move to double-check with your HSA provider to understand your account’s specifics and make sure you’re getting the most out of your savings.
Are Invisalign FSA eligible? You Bet!
Yes! Invisalign are FSA-eligible, and they’re one of the most popular choices for teens and adults in San Antonio.
They’re discreet, removable, and custom-made for your smile. Best of all, they can be covered in part with your FSA or HSA funds.
How to Use FSA Funds Before They Expire
Using your FSA for orthodontics is easy — but timing is everything. Here’s your quick action plan:
- Check your FSA balance: Log in to your FSA account and see how much money you’ve racked up!
- Book a consultation with us: Book a complimentary consultation with us at our Merritt Island, Viera, or Melbourne/Suntree orthodontic office. We’ll reach out to schedule your appointment ASAP, and we can answer any questions you have regarding your FSA coverage and upcoming smile transformation.
- Start smiling: On your first visit, you’ll sit down with one of our friendly treatment coordinators who will walk you through the financing process: applying your FSA funds and understanding your insurance benefit (we’ll do all the paperwork for you). We’ll create a custom FSA braces payment plan that makes the cost of braces or the cost of Invisalign work for your budget.
Don’t Let Your FSA Dollars Expire!
Your FSA funds are already set aside — if you don’t use them by year’s end, you lose them. Orthodontics is one of the smartest (and most lasting) ways to put those dollars to work.
Come see our team at Caudill & McNeight Orthodontics in Merritt Island, Viera, or Melbourne/Suntree — and let’s make the most of your FSA before time runs out.
Book your complimentary consultation today, and let’s make sure you start 2026 with a confident smile that lasts for life.
