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Eligible Health Care Expenses

The following information is general and may be changed or updated without notice. If there is a difference between this list and your employer's plan documents, your employer's plan documents will govern. Please see your employer's Summary Plan Description for more information about which health care expenses can be reimbursed from your health care FSA.

Effective January 1, 2011 over-the-counter medicines will not be FSA-eligible without a doctor's prescription as a result of Health Care Reform.

Browse our Health Care FSA Expenses Table:

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Health Care FSA Expenses

Expense Type

Eligible

Requires Letter of Medical Necessity (LOMN) 

OTC Medicine/ Drug Requires and Rx

Ineligible Description

Calcium

  See Supplement and Vitamin.

Capital Expense

A health care professional must provide evidence of medical necessity for the cost of installing equipment in the home (such as a ramp or wheelchair lift) to be an eligible medical expense. Include evidence of medical necessity (i.e., a doctor's note or LOMN that specifically identifies that the recommendation and expense is for treatment of the medical condition) with the request for reimbursement. Note: If the capital expenditure is a permanent improvement that increases the value of the property, the excess value is not reimbursable. Also see Publication 502 at www.irs.gov for more information including a worksheet.
Car Modification A health care professional must provide evidence of medical necessity for the cost of car modifications such as hand controls and other special equipment installed in a car including installation costs to be an eligible medical expense. Include evidence of medical necessity (i.e., a doctor's note or LOMN that specifically identifies that the recommendation and expense is for treatment of the medical condition) with the request for reimbursement.
X The cost of operating a specially equipped car is not an eligible medical expense Also see Transportation.

X

The expense of a specially designed car to hold a wheelchair may be reimbursed only to the extent the cost of the special car exceeds the cost of a regular car.

Car Rental

See Transportation.

Carpal Tunnel Wrist Supports, Braces

X The cost of carpal tunnel wrist supports is an eligible medical expense

Cervical Pillow

See Pillows for Lumbar and Cervical Support.
Chairs, Reclining A health care professional must provide evidence of medical necessity for the cost of a reclining chair to be an eligible medical expense. Include evidence of medical necessity (i.e., a doctor's note or LOMN that specifically identifies that the recommendation and expense is for treatment of the medical condition) with the request for reimbursement. Note: Reimbursement is calculated using a cost difference method of subtracting the amount paid for a standard chair from the cost of a specialized chair.

Chelation Therapy

X A health care professional must provide evidence of medical necessity such as lead poisoning for the cost of chelation therapy to be an eligible medical expense. Include evidence of medical necessity (i.e., a doctor's note or LOMN that specifically identifies that the recommendation and expense is for treatment of the medical condition) with the request for reimbursement.

Chemical Peel

See Cosmetic Treatment.

Childbirth

See Maternity Charges.

Childbirth Classes/Lamaze

X

Class time instruction related to childbirth (including breathing and relaxation techniques, stages and phases of labor, labor and delivery procedures, birthing positions, movie depicting vaginal and cesarean delivery and cesarean discussion) is an eligible medical expense.
X The instuction or class not related to childbirth (such as possible discomfort and mood swings, learning about your unborn baby's growth and development, breast feeding vs. bottle feeding, newborn care) is not an eligible medical expense.
Chinese Herbal Practitioner and Herbal Treatments See Alternative Medicine, Healers.

Chiropody

X

Amounts paid to a chiropodist (a chiropractic foot doctor) is an eligible medical expense.

Chiropractor

X The cost of chiropractor services is an eligible medical expense.

Cholesterol Testing

X OTC portable blood test systems (such as Cardio Chek) and test strips are an eligible medical expense.

Christian Science Practitioners

See Alternative Medicine, Healers.

Circumcision

X

The cost of circumcision is an eligible medical expense.

Clinic

X

The cost of medical treatment at a health clinic is an eligible medical expense. 
Club Dues and Fees   See Health Club or Gym Membership Fees (First-time Membership Only)

COBRA Premiums

See Insurance Premiums.
Co-Insurance

X

  A coinsurance charge for medical care is an eligible medical expense. 

Cold Medicines

X

A health care professional must prescribe OTC drugs and medicines for you to be reimbursed for the expense. With a prescription, the cost of an OTC cold medicine is an eligible medical expense. OTC products include, but are not limited to: Advil, Comtrex, Contac, Coricidin, Dayquil, Mucinex, Nyquil, Robitussin, Sudafed, TheraFlu, Triaminic, Vicks.
Cold and Hot Packs

X

  When used for medical purposes, amounts paid for cold and hot packs are eligible medical expenses.
  X When used for other purposes (e.g., to keep beverages hot or cold), amounts paid for cold and hot packs are not eligible medical expenses.

Cold Sore and Fever Blister Treatments

X

A health care professional must prescribe OTC drugs and medicines for you to be reimbursed for the expense. With a prescription, the cost of an OTC cold sore or fever blister product is an eligible medical expense. OTC products include, but are not limited to: Abreva Cream, Herpecin.
X The cost of medicated and non-medicated lip balms are not an eligible medical expense.
Collagen Injections A health care professional must provide evidence of medical necessity such as urinary incontinence or severe acne for the cost of collagen injections to be an eligible medical expense. Include evidence of medical necessity (i.e., a doctor's note or LOMN that specifically identifies that the recommendation and expense is for treatment of the medical condition) with the request for reimbursement.
X The cost of collagen injections for cosmetic purposes is not an eligible medical expense. Also see Cosmetic Treatment.

Colon Therapy, Colon Hydrotherapy, Colonics

A health care professional must provide evidence of medical necessity for the cost of colon therapy to be an eligible medical expense. Include evidence of medical necessity (i.e., a doctor's note or LOMN that specifically identifies that the recommendation and expense is for treatment of the medical condition) with the request for reimbursement.

Companion Animal

See Guide Dog.
Compression Socks, Stockings

X

  The cost of compression socks, also known as ante-embolism socks and stockings which assist with circulation in the feet and legs for people with diabetes, amputations, burns, deep vein thrombosis is an eligible medical expense.

Concierge Medicine

See Boutique, Concierge and Practice Fees
Condoms

X

  The cost of condoms are an eligible medical expense.

Contact Lenses and Supplies

X

If contact lenses are needed to correct vision, amounts paid for the purchase of contact lenses (including shipping and handling fees) are eligible medical expenses. Amounts paid for contact lens solution, supplies and exams (including fittings) are also eligible expenses
  X Amounts paid for cosmetic contact lenses (such as to change eye color without vision correction) are not eligible medical expenses.  Also see Eyeglasses, Eye Surgery and Eye Exams, Eye Care.

X

  The cost of contact lenses, lens storage cases, cleaning or soaking solutions are eligible medical expenses.

X

A health care professional must prescribe OTC drugs and medicines for you to be reimbursed for the expense. With a prescription, the cost of an OTC eye drop and re-wetting product is an eligible medical expense. OTC products include, but are not limited to: Visine, Opcon-A, Clear eyes.
Contact Lens Service Agreement and Warranty X Any fees for vision discount programs or warranties are not eligible medical expenses.
Continuous Positive Airway Pressure (CPAP)

X

The cost of the breathing therapy known as CPAP is an eligible medical expense.

Contraceptives

  See Birth Control.

Controlled Substances

  The cost of a substance that violates federal law, even when it is allowed by state law and used to treat a diagnosed medical condition, is not an eligible medical expense.

Convalescent Home

X

  The cost of medical care provided in a convalescent, nursing home or skilled facility (e.g., following a hospital stay or surgery) is an eligible medical expense. This includes the cost of meals and lodging in the convalescent/nursing home if the main reason for being there is to receive medical care.  Also see Rehabilitation Center.
X The cost of custodial care in a convalescent or nursing home (e.g., long term care) is not an eligible medical expense.
Copayment (copay) X A medical copayment is an eligible medical expense. Note: The receipt must clearly state that the expense is a copayment for a healthcare service.
Cord Blood X A health care professional must provide evidence of medical necessity with the infant or other family member covered under the FSA for the cost of harvesting and storing cord blood to be an eligible medical expense. Include evidence of medical necessity (i.e., a doctor's note or LOMN that specifically identifies that the recommendation and expense is for treatment of the medical condition) with the request for reimbursement. Note: As long as a medical condition is present, the cost to collect, freeze and store umbilical cord blood would be an eligible medical expense. Also see Blood Storage.
X Storage and harvesting fees paid for non-medical reasons or to preserve the cord blood for future use are not eligible medical expenses. 
Corneal Molding See Orthokeratology.
Corneal Ring Segments X The cost of these devices implanted in the eye to correct vision is an eligible medical expense.
Cosmetic Treatment X A health care professional must provide evidence of medical necessity such as improve a deformity arising from, or directly related to, a congenital abnormality, personal injury or disfiguring disease, for the cost of cosmetic surgery to be an eligible medical expense. Include evidence of medical necessity (i.e., a doctor's note or LOMN that specifically identifies that the recommendation and expense is for treatment of the medical condition) with the request for reimbursement.
X The cost of cosmetic surgery and procedures is not an eligible medical expense as it does not meaningfully promote the proper functioning of the body or prevent or treat an illness or disease. Some examples of cosmetic procedures for the purpose of enhancing one's appearance that are not eligible medical expenses include, but are not limited to: adominoplasty, breast augmentations, enhancement, electrolysis (hair/removal), face lift, hair transplant, liposuction, tattoo removal. collagen injections.
Cough Suppressants X A health care professional must prescribe OTC drugs and medicines for you to be reimbursed for the expense. With a prescription, the cost of an OTC cough suppressant is an eligible medical expense. OTC products include, but are not limited to: cough syrup and cough drops.
Counseling X The cost of counseling for a medical condition is an eligible medical expense.
X Fees paid for marriage counseling, family counseling and support counseling for other family members to learn how to cope with a family member’s illness are not eligible medical expenses.
CPR X The cost of a CPR class is not an eligible medical expense.
Crania-Sacral Therapy X A health care professional must provide evidence of medical necessity for the cost of crania-sacral therapy to be an eligible medical expense. Include evidence of medical necessity (i.e., a doctor's note or LOMN that specifically identifies that the recommendation and expense is for treatment of the medical condition) with the request for reimbursement.
Crown, dental X The cost of a crown is an eligible medical expense. Also see Dental Treatment.
Crutches X The purchase or rental of crutches is an eligible medical expense.
Crystalens X Artificial lens implants used to treat cataracts is an eligible medical expense. Also see Natural Lens Replacement.

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