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Is Dental Insurance Tax Deductible?

Routine dental work can cost hundreds of dollars per year without insurance. If you need more complex procedures, you may have to spend thousands of dollars.1 As a result, dental insurance can be a critical piece of your financial plan.

If you have a dental insurance plan, you may be wondering if you can deduct premiums on your taxes and save more money. In some cases, premiums are tax deductible. This article will explain how dental insurance works, when it may be tax deductible, and how to calculate your deduction if you qualify.

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How dental insurance works

Dental insurance is a form of insurance that helps the policyholder pay for many dental expenses. In exchange, the policyholder pays monthly premiums to maintain their coverage.

On average, dental insurance premiums cost $47 per month, or $564 per year. Many dental plans cover 100% of the costs of routine preventative care, such as exams, cleanings, and checkups.2 Many plans also cover at least part of more complex procedures. Aflac offers dental insurance with reasonable rates and policies to help cover a wide range of treatments.

Are dental insurance premiums tax deductible?

Dental insurance may be tax-deductible in certain situations. However, not all premiums will be tax-deductible. It may also depend on your financial situation, which state you reside in, and whether you’re paying with pre-tax or post-tax dollars.3

When is dental insurance tax deductible?

You may be able to deduct your dental insurance premiums if you pay them with post-tax dollars and you itemize your deductions on your taxes instead of taking the standard deduction. It’s also possible to deduct the costs of some dental procedures, such as the following:4

  • Dental bridges
  • Root canals
  • Dentures
  • Extractions
  • Invisalign
  • Oral surgery

If you’re self-employed, it may be possible to deduct all of your dental insurance premiums if no coverage is available through your or your partner’s employers. You can typically only deduct as much as the amount of net income your business earned.5

What you’ll likely need to deduct dental expenses

Here are some pieces of documentation you will likely need to keep to deduct dental expenses, if you qualify:

  • Dental expense receipts
  • A list of dental treatments and procedures received
  • A list of providers paid for those treatments and procedures
  • Records of dental insurance premiums
  • Your AGI on your tax return

Get a dental insurance quote

You may deduct dental insurance premiums and other dental costs in certain situations. This can help you save more and afford the care you need. But dental insurance can be a worthwhile investment even if you can’t deduct your premiums. Policies tend to be affordable and may cost less yearly than paying for routine work uninsured. Plus, if you need more expensive work done, dental insurance could help protect you against spending thousands or going into debt for certain procedures. Get a dental insurance quote today from Aflac, or speak with an agent to learn more about our dental insurance coverage.

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