Health Expense Flexible Spending Account (FSA) and/or Health Reimbursement Account (HRA) dollars can be used for out-of-pocket health expenses. The following is a partial list of eligible and ineligible expenses.
Eligible ExpensesBABY/CHILD TO AGE 13
n Lactation Consultant*
n Lead-Based Paint Removal
n Special Formula*
n Tuition: Special School/Teacher for Disability or Learning Disability*
n Well Baby /Well Child Care
DENTAL
n Dental X-Rays
n Dentures and Bridges
n Exams and Teeth Cleaning
n Extractions and Fillings
n Oral Surgery
n Orthodontia
n Periodontal Services
EYES
n Eye Exams
n Eyeglasses and Contact Lenses
n Laser Eye Surgeries
n Prescription Sunglasses
n Radial Keratotomy
HEARING
n Hearing Aids and Batteries
n Hearing Exams
LAB EXAMS/TESTS
n Blood Tests and Metabolism Tests
n Body Scans
n Cardiograms
n Laboratory Fees
n X-Rays / MEDICAL EQUIPMENT/SUPPLIES
n Air Purification Equipment*
n Arches and Orthotic Inserts
n Braille Books & Magazines
n Contraceptive Devices
n Crutches, Walkers, Wheel Chairs
n Medic Alert Bracelet or Necklace
n Nebulizers
n Orthopedic Shoes*
n Oxygen
n Post-Mastectomy Clothing
n Prosthetics
n Syringes
MEDICAL PROCEDURES/SERVICES
n Acupuncture
n Alcohol and Drug/Substance Abuse (inpatient treatment and outpatient care)
n Ambulance
n Co-payments (if underlying service or item qualifies)
n Fertility Enhancement and Treatment
n Hospital Services
n Immunization
n In Vitro Fertilization
n Operations (non-cosmetic)
n Physical Examination
(not employment-related)
n Reconstructive Surgery (due to a congenital defect, accident, or medical treatment)
n Service Animals
n Sterilization/Sterilization Reversal
n Transplants (including organ donor)
n Transportation* / MEDICATIONS
n Insulin
n Prescription Drugs
OBSTETRICS
n Breast Pumps
n OB/GYN Exams
n OB/GYN Prepaid Maternity Fees (reimbursable after date of birth)
n Pre- and Postnatal Treatments
PRACTITIONERS
n Allergist
n Chiropractor
n Christian Science Practitioner
n Dermatologist
n Homeopath
n Optometrist
n Osteopath
n Physician
n Psychiatrist or Psychologist
THERAPY
n Alcohol and Drug Addiction
n Counseling (not marital or career)
n Exercise Programs*
n Hypnosis
n Massage*
n Occupational
n Physical
n Smoking Cessation Programs*
n Speech
n Weight Loss Programs*
HRA ELIGIBLE
n Insurance Premiums
n Long Term Care Premiums
Note: This list is not meant to be all-inclusive, as other expenses not specifically mentioned may also qualify. Also, expenses marked with an asterisk (*) are “potentially eligible expenses” that require a Note of Medical Necessity from your health care provider to qualify for reimbursement. For additional information, contact Affiliated Benefits Consultants, Inc. at 1-800-473-4891 or
OTC items that are not medicines or drugs remain eligible for purchase with FSAs and HRAs. You can use your benefits card for these items.
Eligible Over-the-Counter Items (Product categories are listed in bold face; common examples are listed in regular face.)n Contraceptives
Unmedicated condoms
n Denture Adhesives, Repair, and Cleansers
PoliGrip, Benzodent, Plate Weld,
Efferdent
n Diabetes Testing and Aids
Ascencia, One Touch,
Diabetic Tussin, insulin syringes,
glucose products
n Diagnostic Products
Thermometers, blood pressure
monitors, cholesterol testing
n Ear Care
Uunmedicated ear drops, syringes,
ear wax removal / n Elastics/Athletic Treatments
ACE, Futuro, elastic bandages,
braces, hot/cold therapy,
orthopedic supports, rib belts
n Eye Care, Contact lens care
n Family Planning, pregnancy and ovulation kits
n First Aid Dressings and Supplies
Band Aid, 3M Nexcare,
non-sport tapes
n Foot Care Treatment
Unmedicated corn and callus
treatments (e.g., callus cushions), devices, therapeutic insoles / n Hearing Aid/Medical Batteries
n Home Health Care (limited segments)
Ostomy, walking aids, patient
lifting aids, orthopedic braces,
supports, splints & casts, nebulizers,
catheters, unmedicated wound
care, wheel chairs
n Incontinence Products
Attends, Depend, GoodNites for
juvenile incontinence, Prevail
n Prenatal Vitamins
n Reading Glasses and Maintenance Accessories
Please Note: The IRS does not allow Over-the-Counter (OTC) medicines or drugs to be purchased with Health Care FSA or HRA funds unless accompanied by a prescription and the prescription is filled by a pharmacist. If you have an OTC prescription, you can use your benefits card for these purchases.
Ineligible Over-the-Counter Medicines and Drugs (unless prescribed in accordance with state laws)n Acid controllers
n Acne medications
n Allergy & sinus
n Antibiotic products
n Antifungal (Foot)
n Antiparasitic treatments
n Antiseptics & wound cleansers
n Anti-diarrheals
n Anti-gas
n Anti-itch & insect bite
n Baby rash ointments & creams
n Baby teething pain
n Cold sore remedies / n Cough, cold & flu
n Denture pain relief
n Digestive aids
n Ear care
n Eye care
n Feminine antifungal & anti-itch
n Fiber laxatives (bulk forming)
n First aid burn remedies
n Foot care treatment
n Hemorrhoidal preps
n Homeopathic remedies
n Incontinence protection & treatment products
n Laxatives (non-fiber) / n Medicated nasal sprays, drops, & inhalers
n Medicated respiratory treatments & vapor products
n Motion sickness
n Oral remedies or treatments
n Pain relief (includes aspirin)
n Skin treatments
n Sleep aids & sedatives
n Smoking deterrents
n Stomach remedies
n Unmedicated nasal sprays,
drops & inhalers
n Unmedicated vapor products
The IRS does not allow the following expenses to be reimbursed under Health Care FSAs or HRAs, as they are not prescribed by a physician for a specific ailment.
Ineligible Expensesn Contact Lens or Eyeglass Insurance
n Cosmetic Surgery/Procedures
n Electrolysis / n Insurance Premiums
(FSA Ineligible Only)
n Long Term Care Premiums
(FSA Ineligible Only) / n Marriage or Career Counseling
n Personal Trainers
n Sunscreen
n Swimming Lessons
For additional information, please contact Affiliated Benefits Consultants, Inc., your Plan Administrator.