Here is a sentence that surprises almost every new retiree.
Medicare does not cover your teeth. Or your eyes. Or your ears.
You spent forty years paying into a system, you finally get the card, and then you find out the three things most likely to need attention in your seventies are the three things it will not touch.
A set of implants can cost more than a used car. A decent pair of hearing aids runs into the thousands. Glasses every two years, plus exams, plus whatever your eyes decide to do next.
Original Medicare's answer to all of it is essentially: good luck.
Your HSA's answer is much better.
Yes. You can absolutely use HSA money for dental and vision care after retirement. All of it, tax free, at any age, with no Medicare enrollment required and no 65 restriction.
This is arguably the single highest value use of an HSA in retirement, and it is the one people think about least. Let's go through exactly what is covered, what is not, and how much this is worth over a couple of decades.