HSA Eligible Expenses for Dental: What's Covered in Canada

By Frontier Team•February 10, 2026•3 min read

Yes, dental expenses are one of the most commonly claimed items through a Health Spending Account in Canada. Everything from routine cleanings to major procedures like implants and orthodontics qualifies as a CRA-eligible medical expense. If your business has an HSA, you can cover these costs with pre-tax corporate dollars — saving you 30-50% compared to paying out of pocket.

Dental Expenses Covered by Your HSA

Here's the full breakdown of eligible dental expenses you can claim through your HSA:

Preventive care

  • Cleanings, exams, X-rays, and fluoride treatments

Restorative work

  • Fillings, crowns, bridges, and root canals

Orthodontics

Prosthetics

  • Dentures and dental implants

Oral surgery

  • Extractions and wisdom teeth removal

Other

  • Night guards, mouth guards, and dental sedation

There are no co-pays or percentage limits. You can claim up to your full annual HSA balance.

What's NOT Covered

Cosmetic-only dental procedures like teeth whitening are not eligible. The CRA does not consider them medically necessary, so they can't be reimbursed through your HSA. If a procedure is purely for appearance and has no medical purpose, it won't qualify.

How to Claim Dental Expenses Through Your HSA

The process is simple:

  1. Pay your dentist — cover the cost out of pocket or through your business
  2. Get a receipt — make sure it shows the procedure, date, patient name, and amount paid
  3. Submit through the app — upload a photo of your receipt
  4. Get reimbursed — receive your money by e-transfer within 24-48 hours

That's it. No claim forms, no waiting weeks for a cheque.

How Much Can You Save?

Here's a real example. Say you need a dental crown that costs $2,000:

Without an HSA: You pay $2,000 from after-tax personal income. Depending on your tax bracket, you need to earn roughly $3,000-$3,600 in gross income to cover that cost.

With an HSA: Your corporation pays $2,000 plus a small admin fee and deducts the full amount as a business expense. You receive the reimbursement completely tax-free.

The higher your tax bracket, the more you save. For most incorporated business owners, that's a 30-50% difference on every dollar spent.

Get Started with Frontier Health

If you don't have an HSA yet, Frontier Health makes it easy to get set up. No setup fees, no monthly premiums, and you can start claiming dental expenses right away. Your business writes off every dollar, and your team gets the dental care they need — tax-free.

Simplify Your Business Health Benefits

Get Started