HR Fast Facts: What Are Eligible Health Care FSA Expenses?
Learn about Health Care FSA funds — which can be used to pay for copays, deductibles, dental and vision expenses, health care services, and more.
Health Care flexible spending account (FSA) funds can be used to pay for copays, deductibles, dental and vision expenses, health care services, prescription drugs, and some over-the-counter health care items for the enrollee and their dependents. Funds used for ineligible expenses may have to be repaid to the account.
Eligible Health Care FSA Expenses
| Acupuncture | Humidifier (with a doctor’s note) |
| Adaptive equipment (e.g. raised toilet seat) | Hypnosis (with a doctor’s note) |
| Ambulance fees | Individual Counseling |
| Artificial limb or prosthesis | Insulin |
| Artificial teeth | Lab work |
| Bandage tape | Lactation consultants |
| Bandages | Lamaze |
| Birth control pills | Laser eye surgery |
| Blood pressure monitor | Massage (with a doctor’s note) |
| Braces (knee, ankle, wrist) | Medical abortion |
| Breast pumps & supplies | Medical alert bracelet & current year membership fees |
| Car adaptations (for persons with disabilities) | Mileage (to receive medical care)* |
| Chiropractic services | Non-cosmetic surgery |
| Co-insurance | Naturopathic Visits |
| Contact lens solution | Occupational Therapy |
| Contacts | Orthotics |
| Contraceptives | Physical exams |
| Copays | Physical therapy |
| CPAP machine | Pregnancy test |
| Crutches | Prenatal vitamins (with a doctor’s note) |
| Deductibles | Prescription drugs |
| Dental services (excludes veneers and other cosmetic procedures) | Prescription glasses |
| Diabetes testing supplies | Psychologist |
| Diabetic supplies | Reading glasses |
| Doctor visits | Saline Nasal Spray |
| Drug addiction treatment | Service animals |
| Eye drops | Speech Therapy |
| Eye exams | Sunscreen SPF 30 or greater (proof of SPF required) |
| Fertility treatment | Telephone equipment for hearing & visually impaired |
| First aid kits | Thermometer |
| Flu shots | Vaccinations |
| Hearing aids | Walker |
| Home medical equipment | Wheelchair & repair |
| Hormone therapy | X-rays |
| Hospital services (including meals and lodging) |
Review IRS Publication 969 for a comprehensive list.
*You must submit a image/screen shot of the miles you drove with your claim
Ineligible Health Care FSA Expenses
- Any expenses that are merely beneficial to general health or aesthetics, such as vitamins, toothpaste, cosmetic surgery, or weight loss programs.
- Insurance premiums are typically not an eligible FSA expense.
- Non-prescription medication (over the counter drugs) are not eligible without a doctor’s note of medical necessity.
- Massages are ineligible unless deemed a medical necessity with a doctor’s note.
