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Tax Deduction for Medical and Dental Expenses

Tax Deduction for Medical and Dental Expenses

For people with substantial medical bills that the insurance plan cannot take care of, there might be some relief when you file your taxes. This article explores what you can claim as a tax deduction when filing your tax.

According to the IRS, these are some qualifying medical expenses.

  • Preventative care 

  • Treatment 

  • Vision care  

  • Prescription medications  

  • Visits to psychiatrists 

  • Surgeries 

  • Dental care 

  • Health gadgets such as glasses, contacts, false teeth and hearing aids  

Alongside these, you can also deduct some cost incurred while travelling. For instance, travelling to another state for specialized treatment will qualify you for deductions like mileage, care facility or hospital parking fees, bus or train fare.

Medical expenses that can’t be deducted for taxes

On the other hand, you cannot deduct expenses paid out of pocket, which was reimbursed by the insurance company or your employer. Other cases that cannot be removed are:

  • Cosmetic procedure or surgery for cosmetic reasons

  • Non-prescription drugs except insulin

  • Items like toothbrushes and toothpaste

  • Heath vitamins, supplements and diet plans

  • Fitness memberships.

Besides, you can only deduct expenses incurred in the specific tax year in question.

How to Claim Medical Expenses Deduction 

To claim medical costs, you must itemize the deductions by filing a Schedule A. On filing the return, be sure that the complete information is accurately entered at the right place.

What kinds of medical and dental expenses can or cannot be deducted?

Itemizing deductions on Form 1040 or 1040-SR, schedule A, qualifies you to claim deductions for medical care. This is not only for you but for your dependents and spouse. The value of the deduction amount is the amount by which the total medical care expenses for the year rises above 10% of your AGI. This calculation will go on Form 1040 or 1040-SR, Schedule A

Sample Medical and Dental Payments that Can be Deducted 

  • Insulin and prescription medicines

  • Medical care from dentists, eye doctors, acupuncturists, chiropractors, physical therapists, podiatrists, osteopathic doctors, psychoanalysts and psychologists.

  • Insulin treatment, laboratory services, medical examinations, whirlpool baths

  • Diagnostic tests like a pregnancy test, CT scan, full-body scan or a blood sugar test kit

  • Hospital care fees such as lab fees, clinic costs, lodging and inpatient meals

  • Qualified long-term care services

  • Nursing help, alongside your share of the employment tax. You cannot include nursing care for a healthy baby. 

  • Premiums paid for Medicare Part D insurance

  • Medical Part B insurance (supplemental part)

A program to quit smoking alongside prescription drugs to lessen withdrawal effects. Drugs not prescribed, however, cannot be included here. Patches and nicotine gum are in this category

Weight loss program in response to an ailment or disease like hypertension, heart diseases, obesity diagnosed by a doctor. Fees for spa, health club or gym membership does not qualify. You also cannot include diet food costs or beverages, even if it is a substitute for nutritional needs. There is provision for special food as long as it satisfies the following:

  1. The food takes care of an illness

  2. The food will not stand in for regular nutritional needs

  3. A doctor recommended the food

Other Medical treatments you can deduct are:

  • Treatment for drug addiction, including alcohol

  • Medical aids like eyeglasses, braces, guide dogs, hearing aids, crutches, wheelchairs, and their maintenance cost

  • Eye surgery to take care of defective vision

  • Accommodation to get medical treatment at a hospital while away from home. This only stands provided there was no pleasure, vacation or personal interest in the journey. The lodging should exclusively be for medical care. Besides, the maximum deduction allowed for each individual is $50 per night.  

  • Artificial teeth

  • Birth control pills that you got on the doctor's order

  • Ambulance service

  • All fertility-boosting procedures undertaken to improve the chances of conceiving. It could involve tests, in vitro fertilization (IVF) and surgery.

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