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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
 Safety Glasses (Prescription)    

 

See Eyeglasses, Eye Surgery and Eye Exams, Eye Care.

Sales Tax

See Taxes on Medical Services and Products.

Scale, food or weight

X A health care professional must provide evidence of medical necessity for the cost of a food scale or weight scale 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.

Schools, Special

X A health care professional must provide evidence of medical necessity for the cost of special and residential schools 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. If the main reason for using a school is its resources to work with children who have learning disabilities due to a mental or physical impairment, payments to a special school are eligible medical expenses. Note: The cost of meals, lodging and ordinary education by the special school may also be eligible expenses if the main reason for the child being there is for the school’s resources to relieve the mental or physical disability. Eligible reasons can include but are not limited to: teaching braille to a visually-impaired child, teaching sign language or lip reading to a hearing-impaired child and remedial language training to correct a condition caused by a birth defect.

Screening Tests

  See Diagnostic Tests or Procedures; and Preventive Care Screenings.

Seeing-eye Dog, Service Animal

See Guide Dog.
Sexual Counseling See Counseling.

Sexual Dysfunction

X A health care professional must provide evidence of medical necessity for the cost of treatment for impotence or sexual dysfunction (male or female) 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.  Also see Erectile Dysfunction Treatment.

Shampoos and Soaps

See Personal Items.

Sharps Container

X

The cost of a containers used for the disposal of needles is an eligible medical expense.

Shipping and Handling

X

Shipping and handling fees associated with medical care (for contact lenses, mail-order drugs, etc.) are eligible medical expenses.

Sinus Medication

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 sinus medication is an eligible medical expense.  OTC products include, but are not limited to: Advil, Alavert, Aleve, Benadryl, Chlor-Trimeton, Claritin, Excedrin, Mucinex, Sudafed, Tavist, Tylenol.

Sitz Bath

X

The cost of a sitz bath is an eligible medical expense.  A sitz bath is one in which the person sits in water up to the hips. It promotes healing and symptom relief for conditions  such as for hemorrhoids, rectal surgery and recent childbirth.

Skin Tag Removal

X A health care professional must provide evidence of medical necessity for the cost of skin tag 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 If the procedure is for cosmetic purposes, this is not an eligible medical expense.  Also see Cosmetic Treatment.

Sleep Deprivation Treatment

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 sleeping deprivation treatment is an eligible medical expense.  OTC products include, but are not limited to: Nytol, Sominex, Unisom.

Smoking Cessation Program and Medication

X

The cost of a smoking cessation program is an eligible medical expense.
 

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 smoking cessation medications is an eligible medical expense.  OTC products include, but are not limited to: Commit, Endit, Habitrol, NicoDerm, Nicorette, Smoke Away.

Somnoplasty

X

The cost of somnoplasy is an eligible medical expense.  Somnoplasty uses radio frequency to treat sleep apnea, chronic nasal obstruction, or habitual snoring that is a result of obstructed airways is an eligible medical expense.

Special Computer Program for the Blind

A health care professional must provide evidence of medical necessity for the cost of special computer programs for the blind 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 computer itself would not be covered because of the general purpose it could pose for all family members.

Special Food

X
A health care professional must provide evidence of medical necessity for the cost of special foods to be an eligible medical expense.  Special foods do not include diet food or meal replacements such as shakes for weight loss programs.  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 amount that is reimbursable is the cost difference of normal food and the amount paid for the specialized food.  The participant must provide the cost difference.  Also see Food.
Specialized Equipment or Services   See Durable Medical Equipment (DME).

Speech Therapy

X Amount paid for Speech Therapy is an eligible medical expense.
X A health care professional must provide evidence of medical necessity for the cost of DVDs, videos or special software 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 cost of the computer, WII, etc. is not an eligible medical expense. Also see Education, Special.

Sperm Storage

X A health care professional must provide evidence of medical necessity for the cost of sperm 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: Cost to store sperm for future implantation where the participant has no medical condition is not an eligible medical expense.
X Storage fees paid for non-medical reasons or to preserve the sperm for future generations (such as for genetic information) are not eligible medical expenses.
Spermicide   See Birth Control.

Stem Cell Harvesting or Storage

X A health care professional must provide evidence of medical necessity for the cost of harvesting and storing stem cells 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 collect and store stem cells would be an eligible medical expense.
X Storage and harvesting fees paid for non-medical reasons or to preserve the stem cells for future use are not eligible medical expenses.

Sterilization Procedure or Reversal

X

The cost to obtain or reverse a sterilization is an eligible medical expense.  Also see Tubal Ligation and Vasectomy or Reversal.

Stop-Smoking Program
  See Smoking Cessation Programs and Smoking Cessation Medications.

Student Health Fee

X

  The cost of medical care is an eligible medical expense.
X Fees for belonging to the program or as premium for future health care needs are not eligible medical expenses.
Substance abuse See Alcoholism, drug addiction and Drug, overdose, treatment of.
Subway Fare

See Transporation.

Sunburn 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 sunburn cream is an eligible medical expense.  OTC products include, but are not limited to: Solarcaine, Water Jel.
Sunglasses See Eyeglasses, Eye Surgery, Eye Exams and Eye Care.
Sunscreen X The cost of an OTC sunscreen product with SPF 30 or higher is an eligible medical expense.
X The cost of sunscreen with SPF lower than 30 or for lotions and cosmetics that contains sunscreen is not an eligible medical expense.
Supplement X A health care professional must provide evidence of medical necessity for the cost of Supplement, herbs, minerals and Vitamin to be an eligible medical expense.  Include evidence of medical necessity (i.e., a doctor's note or LOMN that specifically identifies the supplement that the recommendation and expense is for treatment of the medical condition) with the request for reimbursement.  Supplement include but are not limited to dietary, fiber, joint, nuitrional.
X When taken for general good health, even when recommended by a healthcare professional, amounts paid for Supplement, herbs, minerals, and Vitamin are not eligible medical expenses.
Support Hose
See Compression Socks, Stockings.
Suppositories See Laxatives.
Surgery See Operation, Cosmetic Treatment and Illegal Operations, Illegal Treatments.
Surrogate Mother Fees X If the plan participant is fulfilling the role of a surrogate mother, medical expenses not paid by insurance or the adoptive parents are eligible medical expenses.
X If the plan participant is using a surrogate mother, the medical expenses incurred by the surrogate mother are not eligible medical expenses of the plan participant, since the surrogate mother is not a covered individual under the participant’s plan.
X Fees paid to an agency to search for a surrogate mother are not eligible medical expenses.
Swimming Lessons See Lessons.
Swimming Pool X A health care professional must provide evidence of medical necessity for the cost of a swimming pool 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.  Also see Capital Expense.
X The cost of a pool is not an eligible medial expense if the pool is used for recreation.
Syntonic Phototherapy X A health care professional must provide evidence of medical necessity for the cost of syntonic phototherapy 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.  Also see Phototherapy.

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