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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
Marijuana   See Controlled Substances.
Marriage counseling See Counseling.
Massage Therapy X A health care professional must provide evidence of medical necessity for the cost of massage 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.
  X The cost of massage therapy that is for general health is not an eligible medical expense.
Mastectomy-Related Expenses

X

Each of the following mastectomy-related expenses is an eligible medical expense:

- The cost of breast prosthesis

- The cost of a bra or other clothing (such as a sports bra or bathing suit) designed to hold the breast prosthesis. Note: The eligible expense includes only the amount above the cost of the product in its standard form.

- The cost of special bra or other clothing with a built-in breast prosthesis.

Maternity Aids

X

Cost of maternity certain items is an eligible medial expense.  Eligible items include, but are not limited to: products that reduce discomfort associated with pregnancy such as maternity girdle and maternity support belts.
Maternity Charges

X

  Amounts paid to a physician or licensed midwife for delivery charges are eligible medical expenses.

Maternity Clothes

X The cost of maternity clothing is not an eligible medical expense.

Mattress

X A health care professional must provide evidence of medical necessity for the cost of a mattress 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: Only the amount that exceeds the cost of a regular mattress is reimbursable. We reimburse the difference between the standard product and specialty product. The member needs to provide a cost comparison (e.g., sales flyer) of a standard mattress for us to reimburse the difference between the cost.  Also see Pillows for Lumbar and Cervical Support.
Meals

X

  Amounts paid for meals associated with inpatient medical care is an eligible medical expense.
  X Amounts paid for the meals for a companion are not eligible medical expenses.
Medical alert bracelet or necklace

X

The cost of alert jewelry and membership fees associated with the jewelry are eligible expenses.
Medical care outside the U.S.

X

The cost of legal medical care received outside the U.S. is an eligible medical expense.  Note: The medical care must be legal in the foreign country and in the U.S. (had it been provided here).

Also see Medicine and drugs from other countries; and Operation.
Medical Conferences See Educational Classes.
Medical Information Storage Plan

X

The cost to store medical information in, and to be able to retrieve that information from, a computer data bank is an eligible medical expense.  Also see Medical Records Fee.
Medical Monitoring, Testing Devices

X

The cost of a medical monitoring or testing device (e.g., to test blood pressure, blood sugar, cholesterol, heart, etc.) is an eligible medical expense.  Also see Blood Pressure Monitors; Blood sugar test kit and strips; and Diabetic equipment and supplies.
Medical Newsletter   X The cost of a medical newsletter is not an eligible medical expense.  A newsletter does not directly treat a medical condition.
Medical Records Fee

X

The cost of transferring or copying medical records is an eligible medical expense.
Medical Services

X

Amounts paid to physicians, surgeons, specialists and other medical practitioners for treatment of medical conditions are eligible medical expenses.

X

  The cost  of a Phone Consultation with a Medical provider is an eligible medical expense.  This includes TeleDoc services.

X

  The cost of virtual office visits is an eligible medical expense, since they are doctor-patient interactions that may occur via e-mail or through a Web-based portal. They offer patients an alternative way to communicate with their physician regarding health issues that do not require face-to-face contact such as routine follow-ups.  These expenses are eligible on a per visit basis.
X The cost of a monthly or annual fee for services even if they are never used, is not an eligible medical expense.  Also see Boutique, Concierge and Practice Fees.

Medicare Parts A, B, and D

See Insurance Premiums.
Medicated Lip Product   See Cold Sore, Fever Blister Treatments.

Mediscope

X

The cost of a medical device used to provide bright illumination during an examination of ears, nose and throat is an eligible medical expense.

Medicine and Drugs from Other Countries

X The cost of medicine or drugs purchased from another country for use in this country is not an eligible medical expense, unless the Food and Drug Administration (FDA) announces that a prescribed drug can be legally imported by individuals.
X The cost of prescription medicine purchased and consumed in another country (such as while on vacation or living as an expatriate), if the drug is legal in both the other country and the U.S., is an eligible medical expense

Medicine and Drugs, Over-the-Counter (OTC)

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 product is an eligible medical expense.

Medicine, Prescription

X The cost of a prescription drug is an eligible medical expense. (A prescribed drug is one that requires an order from a medical professional and is dispensed through a pharmacy for use by an individual.)  Note: Eligible expenses also include delivery charges and mail-order postage and handling fees.
X The cost of prescriptions for cosmetics drugs are not an eligible medical expense.

Menstrual Pain Reliever

 

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 menstrual pain reliever is an eligible medical expense.  OTC products include, but are not limited to: Diurex, Midol, Motrin, Pamprin.

Mentally Challenged, Special Home

X The cost of a special home (not the home of a relative) to make the transition from a mental hospital to community living is an eligible medical expense.

Micro-Dermabrasion

See Cosmetic Treatment.

Midwife

X

  Amounts paid for a midwife are eligible medical expenses.

Migraine Relief

See Pain Reliever.
Minerals, Mineral Supplement See Supplement and Vitamin.
Missed Appointment Fees X A fee paid for a missed appointment is not an eligible medical expense.
Monitor See Medical Monitoring and Testing Devices.
Morning-After Contraception Pill See Birth Control.
Motion Sickness 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 motion sickness product is an eligible medical expense.  OTC products include, but are not limited to: Bonine, Dramamine, Emetrol, Meclizine.
Mouth Guard X The cost of a Mouth Guard is an eligible medical expense.  This is true for prescription and OTC.

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