Do Insurance Plans Cover Night Guards? How FSA/HSA Can Save You Money
What are FSA and HSA?
According to Aetna, a Health Savings Account (HSA) and Flexible Spending Account (FSA) are two of the best tools for managing healthcare costs. Both let you set aside money tax-free to help reduce out-of-pocket spending on qualified medical expenses, including dental care.
Below is a table to compare FSA v.s. HSA for night guard savings:
| Account Type | FSA | HSA |
| Who's eligible for each account? | Employer-based benefit | Requires a high-deductible health plan (HDHP) |
| Who manages the account? | Employer owns/supervises/manages the account | You (account holder) own it; portable |
| What happens to unused money at the end of the year? | Use within the year or you'll lose it. A small rollover or grace period offered in some plans. | Money rolls over; remains in your account even if you switch jobs |
| What expenses can I use the money for? | Pays for medical costs (copays, bills, prescriptions, more). Funds can also be invested. | Covers eligible medical expenses, and the full year's funds are available at the start. |
| What tax perks do they offer? | Contributions to reduce your taxable income. | Triple tax advantage: pre-tax contributions, tax-free growth, tax-free withdrawals for qualified expenses. |
Source: Aetna - HSA, FSA, HRA: What's the difference?
Why Night Guards Qualify as a Medical Expense
How FSA and HSA Can Help You Save on Night Guards
💲 You're using pre-tax dollars
The money you put into an FSA or HSA is deducted from your paycheck before taxes. The University of Utah notes that contributing to an FSA or HSA can save most people about 25% on medical expenses they would otherwise cover.
💲 You avoid dentist markups
Dentist-made night guards typically cost $500-$800. By using your FSA/HSA to buy directly from affordable brands like ClearClub, you can get the same type of device for a fraction of the price.
💲 It makes healthcare spending painless
Instead of dipping into your regular checking account, an FSA or HSA provides a dedicated financial cushion specifically for medical expenses.
💲 You're preventing bigger bills in the future
At first, a surprise trip to the dentist might not feel like much. But over time, those unexpected visits can really add up and take a serious bite out of your budget. Without a night guard, bruxism can lead to cracked teeth, jaw pain, and costly dental work. Using your FSA or HSA to get a night guard can help prevent these hundreds or even thousands of dollars in expenses.
See how ClearClub night guards compare to competitors and imagine the extra savings when you use your FSA or HSA. For more details, check out: Affordable Night Guards: How Much Does a Night Guard Cost?
Save with ClearClub Night Guards and FSA/HSA
Oral health shouldn't be taken lightly, especially since it can affect daily function. You've already done a great job researching ways to save on bruxism care. Now we'll take it from here.
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If you want an affordable yet highly effective night guard like the ones offered at dental clinics, try ClearClub's Custom Night Guard. This nearly transparent guard is designed for comfort and durability. It comes in three thicknesses (1.3mm, 2mm, and 3mm) so you can choose the right level of protection for the severity of your bruxism.
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If you prefer something vibrant and easy to spot, especially in dark rooms, the Multi-Color and Color Night Guard variants are a great choice. These options come in 2mm thickness and use the same high-quality materials as the clear version, making them as effective for addressing the impacts of bruxism.
Sometimes, a customer loves their first experience with a product. If you feel the same, try our renewal plan and get fresh replacements delivered straight to your door on regular basis.
Oral care maintenance doesn't have to break the bank. With the right approach and a trusted brand, you can keep your teeth protected and your budget intact. Get your FSA/HSA-eligible ClearClub Night Guard today and save on bruxism care.
Frequently Asked Questions
❓ Are night guards covered by insurance?
Some health or dental insurance plans may cover night guards, but coverage is inconsistent. Using FSA or HSA funds is a more reliable way to save when buying one.
❓ Can I use my FSA/HSA funds for custom night guards or only over-the-counter ones?
Both custom and over-the-counter night guards are eligible for FSA/HSA use, as long as they treat bruxism, a recognized dental disorder.
❓ Do I need a prescription for buying custom night guards?
Not always. ClearClub offers a direct-to-consumer option that usually doesn’t require a dentist visit. You’ll receive a user-friendly impression kit that takes about 5 minutes, along with step-by-step instructions on how to use it.
Looking for something else? Check our full FAQ section