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 you 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	Letter of Medical Necessity (LOMN)	Medicine/ Drug Requires an Rx	Ineligible	Description
Illegal Operations, Illegal Treatements				X	The cost of an illegal operation or other treatment is not an eligible medical expense.
Immunization	X				The cost of a vaccination and immunization is an eligible medical expense. This includes, but not limited to: an immunization required for travel, Gardasil and HPV vaccinations.
Impotence					See Sexual Dysfunction.
Inclinator		X			A health care professional must provide evidence of medical necessity for the cost of an inclinator 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.
Incontinence products	X				The cost of an incontinence product is an eligible medical expense. Examples include, but not limited to, Depend, Invacare, Poise, Prevail, Serenity.
Infertility treatments					See Fertility Enhancement and Treatments.
Injection Snore Plasty		X			A health care professional must provide evidence of medical necessity for the cost of snore plasty 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.
Insect Bite Cream, Ointment			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 insect bite treatment is an eligible medical expense. OTC products include, but are not limited to: After Bite, Benadryl, Calamine lotion, Cortaid, Cortizone, Lanacane, Mitigator.
Insulin	X				The cost of insulin is an eligible medical expense.
Insurance Premiums for FSA				X	For FSA: Premiums paid for health and long-term care insurance benefits, including COBRA premiums, fees to belong to a HMO and premiums paid as part of a Section 125 payroll reduction plan, are not eligible medical expenses for the FSA.
Insurance Premiums for HSA	X				For HSA: Insurance premiums are eligible medical expenses for an HSA in only the following situations: COBRA continuation of health care coverage; health care coverage while receiving unemployment compensation; long-term care (LTC) coverage only up to the annual amount allowed by age; and for those age 65 or older, insurance premiums for health care coverage including Medicare Parts A,B and D.
				X	For HSA: Insurance premiums are not eligible medical expenses for an HSA for those age 65 or older, if the premiums are for Medicare supplement policies such as Medigap.
Inversion Table		X			A health care professional must provide evidence of medical necessity for the cost of an inversion table 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.
Investigational Surgery	X				The cost of investigational surgery is an eligible medical expense.
Invisalign Orthodontics					See Orthodontia and Dental Treatment.
In Vitro Fertilization					See Fertility Enhancement and Treatments.

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