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.

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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.
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