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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

Tanning Salon Visits or Equipment

 X A health care professional must provide evidence of medical necessity for the cost of tanning salon sessions or equipment 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 tanning salon visits or equipment , if considered for personal use and appearance, is not an eligible medical expense.

Tattoo Removal

See Cosmetic Treatment.
Taxes on Medical Services and Products

X

    Taxes (such as sales tax or a hospital bill surcharge) incurred for a medical service or product, including OTC, are eligible medical expenses.
Taxi Fare See Transportation.

Teeth Whitening

X A health care professional must provide evidence of medical necessity for the cost of teeth whitening 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 See Cosmetic Treatment.

Teething, Toothache Remedies

 

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 toothache remedies is an eligible medical expense.  OTC products include, but are not limited to: Anbesol, Orajel

Telephone for Hearing Impaired

X Fees associated with enhancing a telephone to accommodate a hearing-impaired person or person with a disability are eligible medical expenses.  Note: Repair costs are also eligible medical expenses and only the amount that exceeds the cost of a regular telephone is an eligible medical expense.
X The cost of a telephone while in a hospital or treatment center is not an eligible medical expense.

Telephone Consultation Fee

X

A fee charged by a health care professional for a telephone consultation is an eligible medical expense.  Note: The associated phone charge (e.g., a toll call charge) is also an eligible medical expense.  Also see Medical Services.

Television for Visually or Hearing Impaired

X

  To assist a visually- or hearing-impaired person, the cost to modify a television (such as an adapter for a regular television) or purchase a specially equipped television is an eligible medical expense.  Note: Only the amount that exceeds the cost of a regular television is an eligible medical expense.
X The cost of a television while in a hospital or treatment center is not an eligible medical expense.

Temporary Continuation of Coverage (TCC) Premiums

  See Insurance Premiums.

Therapy

See Counseling; Patterning exercises; and Physical therapy

Thermacare Heat Wraps

X

Amounts paid for thermacare heat wraps are eligible medical expenses.
Thermography

X

The cost for a thermography procedure is an eligible medical expense.  Thermography is a painless non-invasive scan without radiation that allows the examiner to visualize and quantify changes in skin surface temperature.  This is an alternative to a breast mammogram with radiation.
Thermometer

X

The cost of a thermometer for medical use (e.g., to take someone’s temperature) is an eligible medical expense.
Throat Lozenges  

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 throat lozenges is an eligible medical expense.  OTC products include, but are not limited to: Cepacol, Chloraseptic, Cold-Eeze, Halls, Sucrets, Vicks.

Toiletries (Personal Hygiene)

X Amounts paid for toiletries (e.g., cologne, dental floss, deodorant, lotion, sanitary napkins, shaving cream, shampoo, soap, tampons, toothpaste, etc.) are not eligible medical expenses.  Also see Personal Items and Medicine, over-the-counter.

Toll Fees

See Transportation.

Toothbrushes

X The cost of a toothbrush (including a specialized or battery-powered toothbrush), even when recommended by a dentist for a medical condition, is not a qualified medical expense.
Topical Analgesics (Muscles and Arthritis)  

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 topical analgesic is an eligible medical expense.  OTC products include, but are not limited to: Absorbine Jr., Aleve, Aspercreme, Tylenol Arthritis, Capzasin, Ultra Blue, Zostrix.

Topical Steroids

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 topical steroid is an eligible medical expense.  OTC products include, but are not limited to: topical gels, lotions and creams that contain hydrocortisone.

Transplant

See Organ Donor.
Transportation X

The cost of transportatin primarily for, and essential to, medical care is an eligible medical expense. Submit documentation of the corresponding medical service. Eligible expenses include but not limited to:

Ambulance services, bus*, parking fee, plane fare*, taxi or toll.

Personal car mileage or gasoline:

2014= $.23.5/mile (effective 01/01/14)

2013= $.24/mile (effective 01/01/13)

2012= $.23/mile (effective 01/01/12)

*Long-distance travel cannot be for purely personal reasons (such as when equivalent treatment is available locally).

X When recommended by a health care professional for a medical condition, the cost of a nurse or companion may be an eligible medical expense. Submit evidence of medical necessity (i.e., a doctor’s note or LOMN that specifically identifies the medical condition and that the expense is for treatment of the medical condition) with the request for reimbursement of a covered individual that is unable to travel alone and requires the assistance of a nurse or companion (e.g., a parent or spouse), the nurse/companion’s transportation expenses are eligible medical expenses.
Note: Transportation expenses are eligible medical expenses if all persons involved are either you, a spouse or an eligible dependent.
X Regular commuting costs for an individual with a physical disability are not eligible medical expenses.
X A health care professional must provide evidence of medical necessity for the cost of fees and transportation to attend Alcoholics Anonymous (AA) meetings 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.
Transportation Cost of Disabled Individual Commuting To and From Work X A disabled individual's commuting costs to and from work are not eligible medical expenses.
Tri-Care Premiums See Insurance Premiums.
Trips See Lodging and Trips and Transportation.
Tubal Ligation X The cost of a tubal ligation or tubal ligation reversal is an eligible medical expense.
Tuition See Schools, Special.
Tutoring See Education, Special.

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