DBT
Visitor II

Dental Deduction

If I have a dental insurance plan can I deduct the expenses that the plan does not fully cover. Meaning the plan paid for part my daughters braces but not all. Can a deduct what I had to pay out of pocket? Or the visit I had to the dentist office? The insurance covered some but I had to pay the remaining.

6 Comments
Employee

Dental Deduction

Hello,

 

Dental expenses are a valid medical expense itemized deduction. It may or may not provide a tax benefit.

Only the amount of medical expense itemized deductions that are more than 10% of your adjusted gross income (under 65) are deducted. Also, itemized deductions provide no tax benefit until all of them added together are more than the standard deduction for your filing status.

 

2015 Standard Deduction
Taxpayer under 65, not claimed as a dependent
$6,300 for Single
$12,600 for Married Filing Jointly, or Qualifying Widow(er) with dependent child
$9,250 for Head of Household
$6,300 for Married Filing Separately
For over 65 or blind, add $1,250 for each instance or add
$1,550 each instance if single and not a surviving spouse.

 

Here's additional information that may be helpful:
https://ttlc.intuit.com/questions/1900682

https://ttlc.intuit.com/questions/2895189-what-kinds-of-medical-expenses-are-deductible

https://www.irs.gov/publications/p502

 

Thanks,

Jenny

TurboTax Specialist

Dental Deduction

Yes, you can deduct the out of pocket dental expenses that you had, provided that you itemize your deductions. In addition for 2017, the total of your itemized medical deductions needs to exceed 7.5% of your adjusted gross income. Enter all of your medical expenses: doctors, lab work, equipment, dental/eye costs, and mileage in the medical section. TurboTax will calculate the 7.5% for you.

DBT
Visitor II

Dental Deduction

Thanks, I have a couple of follow up questions about where to specifically list some of these expenses. Some are medical and dental. I should qualify this year because of my particular financial situation which was not true of years prior.

  • I have 2 dental expenses. I did have dental insurance which pays for a portion and I pay the remaining. Where is it best to list these:
  •      My daughters braces?
  •      My dental visit and labs? Do I need to separate the visit from the labs as I set up a payment plan that covered all expenses and that is the amount I wish to deduct.
  • I also had a medical expense many years ago. I have been paying $60/mo for 5 yrs or so. I pay with post tax money and sometimes I reimburse myself from my HSA account. Last year I did not have the funds in my HSA so I just kept paying with post-tax money. The charges where for facility and labs I am sure but not docs. Does it matter how they are broken out since the payment was for all charges? Where is the best place in TT to list these types of charges?
  • And, to double check, those charges are deductible correct? Even though it was for a bill from 5yrs ago and since I paid with post tax dollars?
TurboTax Specialist

Dental Deduction

You can deduct all of your medical expenses paid in 2017 with after-tax or unreimbursed dollars. It does not matter if the event was 5 years ago, only that you made payments in 2017. Any amounts reimbursed via insurance or HSA would not be deductible.

 

It isn't even necessary to break them into separate categories, unless you want the details on worksheets. On the IRS form schedule A, all medical expenses are lumped into one total. Saves a lot of time to just tally the total.

DBT
Visitor II

Dental Deduction

Thanks!

TurboTax Specialist

Dental Deduction

You are welcome Smiley Happy