Considering dental surgery

Lisa needs a dental implant but has been putting it off. This year she knows she needs to get it taken care of.

The dental surgeon's office gives her an estimate of $2,250, and she realized this will be out of her pocket since her benefit plans don't cover this particular procedure. But because she is planning several months in advance, she decides to maximize her HSA contributions for the year and can schedule the procedure for the end of the year.

When making the appointment, Lisa asks her dental provider if there is a monthly payment plan so she doesn't have to deplete her account all at once after her surgery, and one is available. She arranges to have her HSA debit card billed monthly following the procedure, allowing her even more time to build up funds.

Lisa can approach her upcoming appointment with financial confidence, knowing she has a plan to cover the cost in place.