How to Use Your HSA to Pay for Invisalign & Laser Eye Surgery

Health Spending Accounts (HSAs) in Canada provide a tax-efficient way to cover medical expenses, including clear aligners like Invisalign and different types of laser eye surgeries such as LASIK. Many Canadians don’t realize that these treatments qualify as eligible medical expenses under the Canada Revenue Agency (CRA) guidelines, making HSAs a powerful tool for saving money while improving your health! (If you want to know why an HSA is better than an METC, check out our comprehensive METC guide!)

This quick guide will explain how you can use your HSA to pay for things like Invisalign or LASIK surgery, maximizing your tax benefits and keeping money in your pocket.

Are Invisalign and Laser Eye Surgery HSA-Eligible?

Yes! Both both clear aligners and laser eye surgery (LASIK, PRK, SMILE, etc.) are eligible medical expenses under CRA guidelines, as they are necessary medical procedures rather than elective cosmetic treatments. This means you can use your HSA to cover the cost of these procedures tax-free.

Clear Aligners (Invisalign, New Smile etc)

• Clear aligners are an alternative to traditional braces that help straighten teeth.
• Orthodontic treatments, such as braces, retainers, and clear aligners, qualify as eligible medical expenses.
• The entirety of the treatment plan, including consultations, adjustments, and retainers, can be reimbursed through your HSA.

Laser Eye Surgery (LASIK, PRK, SMILE, etc.)

• Laser eye surgery is a medical procedure designed to correct vision problems such as nearsightedness, farsightedness, and astigmatism.
• The CRA recognizes corrective laser eye surgery as an eligible medical expense, making it fully reimbursable through an HSA.
• The entirety of the treatment plan, including pre-surgery consultations, the procedure itself, and post-surgery medications can all be covered through your HSA.

Using Your HSA to Pay for Your Child’s Invisalign

If you own an incorporated business, you can use your company's HSA to cover your child’s Invisalign treatment tax-free. However, there are a couple of requirements to ensure compliance:

Invoice/Receipt from the Dentist or Orthodontist

The receipt submitted to the HSA must include, the name of the patient who received the treatment, the name and contact details of the orthodontist, description of the services (e.g, braces, retainers, aligners), date(s) of the services, and the amount paid.

How to Pay for Invisalign or LASIK with Your HSA

1: Pay for the Procedure and Keep Your Receipts

Like most HSA providers, Frontier HSA requires you to pay for the treatment out-of-pocket first and then submit a claim for reimbursement. Be sure to submit an invoice/receipt that contains the patient’s name, name and contact details of the clinic or surgeon, description of the procedure (e.g. LASIK, cataract surgery, PR), date of service, and amount paid.

Is There a Maximum You Can Claim?

The maximum amount you can claim for Invisalign depends on your HSA plan. Frontiers yearly maximum is $15,000.

Why Use Your HSA for Invisalign or Laser Eye Surgery?

Save Money: Reduce the cost of these procedures by avoiding personal income tax on medical expenses. Team up with traditional insurance or just use the power of the HSA**:** If you have traditional insurance that covers a portion of the cost, the remaining balance can be submitted to your HSA for a tax free claim! Also, if you do not have insurance the entire amount can be immediately submitted to your HSA for reimbursement without having to run insurance pre-approvals, provided you have the appropriate plan. Flexible Coverage: Your HSA through Frontier will cover consultations, procedures, post-care, and even prescription medications related to the treatment.

What If You Don’t Have an HSA Yet?

If you don’t have an HSA in place, FrontierHSA can help you set one up quickly. Our team ensures your plan is CRA-compliant, structured for tax efficiency, and tailored to your business needs.

Apply today at frontierhsa.ca to get started!