Earlier this year I started treatment for a dental implant. I had to have a lower tooth pulled for an uncommon condition called internal resorbtion. After what my puny Aetna benefit pays, my out of pocket for this is about $3,000. I don’t contribute anywhere near that to a HSA. I just charged it to my airlines miles card. I might as well get some points from this. Just put your co-pay on the best points or cash back card you have and move on. Pay in full ASAP to avoid finance charges. You won’t be making money from dental work.