Well, once again, is there anything specific saying it's not qualified? From Pub. 502 as Qualifying Medical Expenses:
Dental Treatment
You can include in medical expenses the amounts you pay for the prevention and alleviation of dental disease. Preventive treatment includes the services of a dental hygienist or dentist for such procedures as teeth cleaning, the application of sealants, and fluoride treatments to prevent tooth decay. Treatment to alleviate dental disease includes services of a dentist for procedures such as X-rays, fillings, braces, extractions, dentures, and other dental ailments. But see Teeth Whitening under What Expenses Aren't Includible, later.
Now, my point is that the Dental Plan I'm paying for is for the exact procedures listed here. It's just paying for all upfront for a year. But you say that the plan isn't covered. I'm just trying to understand as to why you are saying it isn't. It doesn't make sense that I can pay for them separately and pay more as oppose to paying for them upfront for a discounted price.
As to why you say it isn't, I can't find anything specific that says it isn't.
In Addition: a quote from another article from HSA for america:
Prepaid dental plans are another way to help reduce your dental expenses. These plans charge a small monthly fee (typically around $7/month for individuals, or $16/month for families), and subsequently provide significant discounts for check-ups, fillings, extractions, and other services, as long as you go to a network dentist. Some plans also help towards the cost of glasses or contact lenses. Because these plans are not considered to be insurance, they can also be paid for from your HSA.
So when keeping track of your eligible medical expenses that can be reimbursed from your HSA, remember to include dental fees and the premiums you pay for a prepaid dental plan.
https://www.hsaforamerica.com/newsletter-issue-1.htm
Maybe he is wrong. I'm just looking for confirmation one way or another.
