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Eligible Limited FSA Expenses

Expenses reimbursed by a limited health care FSA are limited before you reach your plan's deductible. After you reach your deductible, the limited FSA may work like a traditional health care FSA, depending on your employer's plan. Here's how it works:

Before you meet your health plan's deductible:
Your limited health care FSA funds are available only for certain expenses, including:
• Dental care and orthodontia, such as fillings, X-rays, braces, caps and mouth guards
• Vision care, including eyeglasses, contact lenses, solutions and supplies, and LASIK eye surgery
• Preventive care not covered under your health plan (vaccines, flu shots and diagnostic tests, for example)
Prescriptions and eligible over-the-counter items are reimbursable only for dental, vision and preventive care.

After you meet your health plan's deductible:
You may get reimbursed for all FSA-qualified health care expenses, depending on your employer's plan. That's right. Meet your deductible, and your limited health care FSA may work like a standard health care FSA. See our qualified health care expenses list. Your after-deductible reimbursements may not be limited to dental, vision or preventive care.

All expenses must be qualified medical, vision, pharmacy or dental benefit expenses as defined in Section 213(d) of the Internal Revenue Code.

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.

Though the information on this page is general, it may be updated without notice. If any information conflicts with 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 may be reimbursed by your limited health care FSA.

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Limited FSA Pre-Deductible Health Care Expenses
Expense Covered Not Covered IRS Guidelines
Acne Treatment X
Acupuncture X   When recommended by a health care professional for smoking cessation or weight loss, the cost of acupuncture is a qualified preventive care expense.
X The cost of acupuncture for any other medical care is not reimbursable. 
Adoption X If the child is a tax-qualified dependent at the time services were rendered, vision, dental and preventive care expenses paid for a child prior to adoption are qualified limited-purpose expenses.
X Expenses for all other medical care are not reimbursable.  
X Fees relating to the adoption process and for medical expenses incurred prior to beginning adoption negotiations are not reimbursable.
X Expenses incurred by the birth mother associated with an adopted baby's birth are not reimbursable for the FSA participant. 
Air conditioner, air filter, purifier X
Air filter X
Alcoholism, drug addiction X
Allergy medicine X
Allergy treatment products X
Alternative provider X When recommended by a health care professional for vision, dental or preventive care, the cost of a homeopathic or holistic treatment/procedure may be a qualified limited-purpose expense.  Submit evidence of medical necessity (e.g., prescription, doctor's note) with the request for reimbursement. 
X Expenses for all other medical care are not reimbursable. 
X Naturopathic procedures and treatments using natural agents such as air, water or sunshine are generally not reimbursable.
Ambulance X
Analgesics X
Anesthesiology X When associated with dental, vision or preventive care, anesthesiology fees are qualified limited-purpose expenses.
  X Anesthesiology fees for any other medical care are not reimbursable.
Antacids X
Antibiotic ointment X
Antihistamines X
Anti-itch cream X
Appearance improvement See Cosmetic treatment.
Arch support X
Arthritis care X
Artificial insemination X
Artificial limb X
Artificial teeth See Dental treatment.
Aspirin X When used for dental, vision or preventive care, the cost of aspirin is a qualified limited-purpose expense. 
X For all other medical care, the cost of aspirin is not reimbursable.
Asthma equipment X When recommended by a health care professional for the treatment of asthma, the cost of asthma equipment (for ex., a nebulizer or peak flow meter) is a qualified preventive care expense. 
Automobile modifications X

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