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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
Capital expenses X
Car X
Carpal tunnel wrist supports X
Chair (medical supplies) X
Chelation therapy X
Childbirth X
Childbirth classes/Lamaze X
Chinese herbal practitioner & herbal treatments See Alternative provider.
Chiropody X
Chiropractor X
Christian Science practitioner X When recommended by a health care professional for vision, dental or preventive care, amounts paid to a Christian Science practitioner are qualified limited-purpose expenses. 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.
Circumcision X
Clinic X The cost of dental, vision or preventive care at a health clinic is a qualified limited-purpose expense.   
X Expenses for all other medical care are not reimbursable. 
Club dues and fees See Health club
COBRA premiums See Insurance premiums.
Coinsurance X A coinsurance for vision, dental or preventive care is a qualified limited-purpose expense.
X A coinsurance for any other medical care is not reimbursable. 
Cold medicine X
Cold/hot pack X When used for dental, vision or preventive care, amounts paid for cold and hot packs are qualified limited-purpose expenses.
X When used for any other medical care, the expense is not reimbursable.
X When used for other purposes (for ex., to keep beverages hot or cold), amounts paid for cold or hot packs are not qualified medical expenses.
Collagen injections X
Concierge medicine X
Condoms X
Contact lenses, saline solution, supplies, warranties X If contact lenses are needed to correct vision, amounts paid for the purchase of contact lenses (including shipping and handling fees) are qualified limited-purpose expenses. Amounts paid for contact lens solution, supplies, exams (including fittings) and associated warranties are also qualified expenses.
X Amounts paid for cosmetic contact lenses (such as to change eye color without vision correction) are not qualified medical expenses. 
Contraceptives X
Controlled substance in violation of federal law X If the substance violates federal law, even when it is allowed by state law and used to treat a diagnosed medical condition, the cost is not a qualified medical expense
Convalescent home X
Copayment (copay) X A copayment for vision, dental or preventive care is a qualified limited-purpose expense. Note: The receipt must clearly state the medical service or that the expense is a copayment for vision, dental or preventive care.
X A copayment for any other medical care is not reimbursable.
Cord blood X
Cosmetic treatment X
Cough suppresant X
Counseling X
CPR X
Crown, dental X The cost of a crown is a qualified medical expense. Also see Dental treatment.
Crutches X

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