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	Qualified?	IRS Guidelines
Obstetrical care	Yes	The cost of obstetrical care is a qualified medical expense.
Occlusal guard		See Mouth guard.
Oncologist	Yes	Amounts paid to an oncologist are qualified medical expenses.
Operation	Yes	The cost of a legal operation required for medical care is a qualified medical expense.
	Yes	The cost of an operation required for medical care that is performed legally in another country (and which would be legal if preformed in the U.S.) is a qualified medical expense. Also see Medical care outside the U.S.
	No	The cost of cosmetic surgery is not a qualified medical expense. Also see Cosmetic treatment.
Ophthalmologist	Yes	Amounts paid to an ophthalmologist are qualified medical expenses.
Optometrist	Yes	Amounts paid to an optometrist are qualified medical expenses.
Organ donor	Yes	When the recipient is covered by the FSA, medical care for both the recipient and donor paid by the recipient are reimbursable from the recipient's FSA.
	No	When the recipient is covered by the FSA, medical care for the donor paid by the donor are not reimbursable under the recipient's FSA.
	Yes	When the organ donor is covered by the FSA, medical care for the donor paid by the donor is reimbursable from the donor's FSA.
	No	When the organ donor is covered by the FSA, medical care for both the recipient and donor paid by the recipient are not reimbursable from the donor's FSA.
Orthodontia	Yes	The cost of orthodontia care (including braces) is a qualified medical expense.
Orthopedic shoes and inserts	Yes	Amounts paid for special shoes and inserts are qualified medical expenses. Note: Only the amount that exceeds the cost of regular footwear is reimbursable.
Orthotics		See Orthopedic shoes and inserts.
Osteopath	Yes	The cost of osteopathic care is a qualified medical expense.
OTC		See Medicine, over-the-counter.
Out-of-network provider		See Reasonable & Customary.
Over-the-counter		See Medicine, over-the-counter.
Ovulation monitor		See Birth control; and Fertility.
Oxygen	Yes	To relieve breathing problems caused by a medical condition, amounts paid for oxygen and oxygen equipment are qualified medical expenses.

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