Log In

It’s easy to use your Kazdon Healthcare Flexible Spending Account (FSA) to pay for eligible orthodontia expenses for you, your spouse, and your eligible dependents. Eligible orthodontia expenses are those not paid by your dental insurance or any other insurance plan. Orthodontic services may be provided over an extended period of time. The expenses for the entire period of treatment are sometimes required to be paid as a single sum at the beginning of the treatment period, or a substantial initial payment is required, followed by period installment payments during the course of treatment. Although reimbursable expenses must relate to services actually provided during a particular coverage period, and not to when you are billed or pay for the services, it may be difficult to allocate specific portions of the total fee to dates of service. For these reasons, orthodontic expenses may be reimbursed using one of two methods.

Incurred Expenses Method

You may be reimbursed upfront for all qualified expenses paid in the current plan year. Documentation must include treatment start date, anticipated treatment end date, proof of payment, and a completed claim form. If payment for orthodontia is made in full, the full contract amount, not to exceed your annual election, will be reimbursed. To receive reimbursement for the full contract amount:

  • Payment must be made within the applicable plan year; and
  • Proof of payment must be provided with your claim.

Incurred Expenses Method Example:

24-Month Orthodontia Contract/Cost = $3500.00 including a $500 charge for initial treatment (banding) expenses.

- Treatment Start Date: August 1, 2021
- Estimated Completion Date: July 31, 2023
- Plan Year: January – December

August 2021 – August Initial Treatment (i.e. banding) - Full contract amount paid at initial visit $3,500
August 2021 – Participant submits claim to include treatment start date, anticipated treatment end date, proof of payment, and a completed claim form  
Total Orthodontia Treatment Expenses Reimbursable in August 2021 (assuming sufficient account balance is available) $3,500

Monthly Approach

You may be reimbursed for the initial payment usually associated with banding fees. Thereafter, you may file a monthly claim for the monthly payment amount. Please note a treatment plan or itemized statement is required with the initial contract/banding claim. The documentation should include the amount of the initial down payment (usually associated with banding fees), the treatment start date, and anticipated treatment end date. For ongoing monthly claims, an itemized statement or payment coupon from the provider and a signed claim form are required.

Monthly Approach Example:

24-Month Orthodontia Contract/Cost = $3500.00 including a $500 charge for initial treatment (banding) expenses.

- Treatment Start Date: August 1, 2021
- Estimated Completion Date: July 31, 2023
- Plan Year: January – December

August 2021 – August Initial Treatment Expense (i.e. banding) $3,500
August 2021 – August Regular Monthly Expense $125
September 2021 – December 2023 - Participant submits a $125 claim each month - (4 mos x $125). Four separate claims. $500
2022 – Regular Monthly Expenses - Participant submits $125 claim each month - (12 mos x $125). Twelve separate claims. $1,500
2022 – Regular Monthly Expenses - Participant submits $125 claim each month - (7 mos x $125). Seven separate claims.
Treatment completed end of July 2023.		 $875
Total Orthodontia Treatment Expenses $3,500

Pay with Your Kazdon Healthcare Card

If you’re paying for eligible orthodontia expenses on the day you receive services, the easiest way to pay is with your Kazdon Healthcare Card. Just be sure to save the detailed receipt and payment contract provided by your orthodontist. In some cases, the IRS may require you to verify your card transactions, submit a claim, and verify expenses.

If you use your card to pay for services received in the past, you most likely will have to provide additional card use verification. Avoid that hassle! If you’re paying bills you received after the service date, don’t use your card – be careful the service was done within the current plan year.