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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.


Limited FSA Pre-Deductible Health Care Expenses
Expense Covered Not Covered IRS Guidelines
Babysitting/child and dependent care X The cost of babysitting, child care and nursing services for a healthy child or dependent are not qualified medical expenses. Also see Disabled dependent care
Bandages X
Behavioral modification programs See Schools, special; and Tuition.
Birth control X
Birthing classes X
Birthing coach X
Bleaching/teeth whitening See Cosmetic treatment.
Blood donation X
Blood pressure monitoring device X The cost of a blood pressure monitoring device is a qualified preventive care expense.
Blood sugar test kit and strips X Amounts paid for a blood sugar testing kit and strips are qualified preventive care expenses.
Body scan X The cost of a body scan (for ex., an MRI) is a qualified preventive care expense. 
Bonding of the teeth See Cosmetic treatment.
Braces See Orthodontia.
Braille books and magazines X For use by visually impaired persons, the cost of Braille books and magazines are qualified vision care expenses. Note: The reimbursable expense includes only the amount above the cost of the product in its standard form. 
Breast augmentation X The cost of a breast augmentation (such as an implant or injection) is not a qualified medical expense. Also see Cosmetic treatment
Breast pump, purchase or rental of X
Breast reconstruction X
Breast reduction X
Breast implant removal X

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