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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)

Medicine/ Drug Requires an Rx

Ineligible Description
Ear/body piercing    X The cost of ear or body piercing is not an eligible medical expense.

Ear Care and Ear Wax Removal Products

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 ear care product is an eligible medical expense. OTC products include, but are not limited to: Debrox, Murine.

Ear Plugs

X

The cost of ear plugs is an eligible expense.
Educational classes X The cost of an educational class specific to a medical condition such as learning to manage diabetes or learning Braille is a qualified medical expense. Submit evidence of the medical condition as well as the class description with the request for reimbursement.
  X The cost of an educational class not specific to a medical condition or for general well-being (such as care for newborn) is not an eligible medical expense. 

Egg and Sperm Donor Fees

X When associated with an active attempt to conceive, amounts paid for egg and sperm donation are eligible medical expenses. A health care professional must provide evidence of medical necessity for the cost of egg and sperm donor fees 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: The donor fee, agency fee, donor's medical and psychological testing as well as legal contract fees are eligible if medically necessary for the procedure to be performed on the participant or account holder, participant's or account holder's spouse or eligible dependent.
Egg Recipient Fees See Surrogate Mother Fees.
Egg and Embryo Storage Fees A health care professional must provide evidence of medical necessity for the cost of eggs and embryo storage 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 store eggs and embryos would be an eligible expense. Also see Egg and Sperm Donor Fees and Fertility Enhancement and Treatments.

Electrolysis

See Cosmetic Treatment and Hair Removal or Transplant.
Electronic Cigarettes   X The cost of an electronic cigarette is not an eligible medical expense. It is not an approved smoking cessation product but rather a replacement.

Elevator

See Capital Expense

Epsom Salts

X Eligible when used as a Soaking Aid for sprains and bruises.

Erectile Dysfunction Treatment

X

The cost for the treatment of erectile dysfunction is an eligible medical expense. This includes but not limited to prescribed medications: Viagra, Cialis, Levitra.
Exercise Equipment, Exercise Program A health care professional must provide evidence of medical necessity for the cost of exercise equipment or an exercise program 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 exercise equipment or an exercise program for improvement of general health is not an eligible medical expense

Expectorant

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 expectorant is an eligible medical expense. OTC products include, but are not limited to: Broncolin, Mucinex, TheraFlu, Tussin EX.

Expenses Not Incurred During the Coverage Period

X Expenses not incurred during the coverage period or before the HSA account is opened are not eligible medical expenses.

Expenses That Have Been Reimbursed Previously Under Or Could Be Reimbursed Under Another Medical Plan

X Expenses that have been reimbursed previously under or could be reimbursed under another medical plan are not eligible medical expenses.
Experimental Drugs X The cost of prescription and legally-obtained experimental drugs for medical care is an eligible medical expense
Experimental Medical Services X When administered by a health care professional to treat a medical condition, the cost of experimental medical services are an eligible medical expense.
Eye Exams, Eyeglasses, Eye Surgery, Eye Care X The cost of prescription eyeglasses (including prescription sunglasses), eye exams, eye patches, reading glasses including OTC reading glasses, tinting of prescription eyewear, prescription goggles and prescription safety glasses are eligible medical expenses. This includes but not limited to cataract surgery, Lasik surgery, Corneal Rings, etc. Also see Lasik and laser eye surgery.
X Repairs associated with the repair of Eyeglasses, Prescription Sunglasses, Reading Glasses and Prescription Goggles/Safety Glasses are eligible medical expenses.
X Amounts paid for over-the-counter sunglasses, as well as eyeglasses not needed for vision correction or reading, are not 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 is an eligible medical expense. OTC products include, but are not limited to: Visine, Wetting drops.
X The cost of warranties for eyeglass repairs and replacements is not an eligible medical expense.

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