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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 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

Requires Letter of Medical Necessity (LOMN)

Medicine/ Drug Requires an Rx

Ineligible Description
Laboratory fees

X

  Laboratory fees are eligible medical expenses.
Lactation Aids

X

The cost of lactation aids (e.g., breast milk transport bag, freezing and storage packs) is an eligible medical expense.
X The cost of nursing pillows or other personal items aand accessories is not a qualified medical expense.
Lactation consultant

X

When needed for a woman experiencing lactation problems (such as being unable to breast feed,) the cost of a lactation consultant is an eligible medical expense

Laetrile

X A health care professional must provide evidence of medical necessity for the cost of laetrile, which is sometimes called vitamin B17, 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.

Lamaze Classes

See Childbirth Classes.

Language Classes

See Education, Special.

Lap Band Sugery

  See Gastric Bypass Surgery Including Excess Skin Removal

LASIK, Laser Eye Surgery

X

The cost of LASIK/PRK or radial keratotomy surgery is an eligible medical expense.

Late Payment Fee

X A late fee associated with a medical payment is not an eligible medical expense.

Laxatives

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 laxative is an eligible medical expense.  OTC products include, but are not limited to: Correctol, Dulcolax, ex-lax, Milk of Magnesia, Senokot.

Lead Paint Removal

X A health care professional must provide evidence of medical necessity for the cost of lead paint removal 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 to repaint the affected area is not a eligible medical expense.
Learning Disabilities   See Education, Special.

Legal Fees

X

To authorize treatment for a mentally ill patient, legal fees are eligible medical expenses.
  X Guardianship and estate management fees are not eligible medical expenses
X Legal fees to obtain a divorce are not eligible medical expenses.

X

  Legal fees in connection with fertility treatments for you, your spouse or dependent, if preparatory to the procedure are eligible medical expenses.
X Legal fees in connection with a surrogate mother are not eligible medical expenses.
X Legal fees for adoption are not eligible medical expenses.
Lessons X A health care professional must provide evidence of medical necessity for the cost of fees paid for lessons 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 Fees paid for lessons not recommended by a health care professional or not specific to a medical condition are not eligible medical expenses

Lice Treatment and Removal

 

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 lice treatment is an eligible medical expense.  OTC products include, but are not limited to: Nex, Rid.

X

  Fees paid to a lice removal services performed by a lice treatment specialist in the participant's home are eligible medical expenses.
Life Alert Emergency Medical Alert System X The cost of a life alert emergency medical alert system is an eligible medical expense.
Life Coach X A health care professional must provide evidence of medical necessity for the cost of a Life Coach 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 reimbursment,
Lifetime Care Advance Payment See Insurance Premium.
Liposuction See Cosmetic Treatment.
Liquid Adhesive, Bandage for Small Cuts See Bandages.
Lodging and Trips X When the main reason for being in a hospital or other institution is to receive medical care, the cost of lodging, including meals, provided by the hospital are eligible medical expenses.  Note: While away from home receiving medical care, you may include lodging costs for the patient and a necessary traveling companion (e.g., parent with sick child or travel to be with a sick spouse), up to $50 per person, per night for lodging (maximum $100 per night), subject to these rules: The lodging is primarily for and essential to medical care; the medical care is provided by a doctor in a licensed hospital or medical care facility related to, or the equivalent of, a licensed hospital; the lodging is not lavish or extravagant under the circumstances and there is no significant element of personal pleasure, recreation or vacation in the travel away from home.  Also see Transportation.
X Amounts paid for a trip or vacation taken for a change in environment, improvement of morale or general improvement of health, even if recommended by a doctor, are not eligible medical expenses.
Long Term Care Insurance Premiums See Insurance Premiums.
Long Term Care Services X The cost of the medical portion only of care in a long term care facility is an eligible medical expense.
Long Term Disability (LTD) Insurance Premiums See Insurance Premiums.
Lumbar Support See Pillows, Lumbar and Cervical.

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