HSA and replacement dental crowns

Publication 502 describes what are eligible expenses. On page 7 it says that Dental Treatment is generally eligible, with the exception of purely cosmetic treatments such as teeth whitening.

R's, John

By remarkable coincidence, I just had my first crown installed. To share, my dental coverage is lacking. A 50% copay after a $100 deductible, and then only for 'reasonable and customary' fee. So my $1900 crown cost me $1250 out of pocket.

I went to see if this would burp though my FSA and it's specifically lists crowns- Dental expenses ? Examples include fees for X rays, fillings, braces, extractions, crowns, and orthodontia.

For HSA I find similar wording - "Medical expenses for dental treatment are reimbursable. This includes fees paid to dentists for X-rays, models and molds, fillings, braces, extractions, dentures, dental implants and the difference in cost from insurance-approved restorations and alternative materials, etc. Veneers are covered only when medically necessary, but are not covered for purely cosmetic reasons."

Crowns are not optional or cosmetic. e.g. whitening would not be covered.

Thanks. The part that was concerning to me was whether or not REPLACEMENT crowns could be considered cosmetic. Although in this case, it is around 30 years old and starting to recede so I guess it should be okay.

Understood. It's still a repair to restore function, and not cosmetic.