In geographical terms the Caribbean area includes the Caribbean Sea and all of the islands located to the southeast of the Gulf of Mexico, east of Central America and Mexico, and to the north of South America.
An HSA is a special, tax-advantaged savings account you can use to pay for qualified medical expenses. You deposit money in your HSA, where it earns interest tax-free. Funds are not taxed when withdrawn for qualified medical expenses.
With the Chase HSA card you can use your spending account on braces but not for cosmetic reasons. This means only if the health of your gums or teeth are at risk. So in essence Chase is just ensure they will not have to pay for expensive problems in the future.