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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
Dance lessons X
Decongestant X
Deductibles X Deductibles for dental, vision and preventive care expenses are qualified limited-scope expenses. 
X Deductibles for all other medical care are not reimbursable.
Dehumidifier X
Dental, cosmetic X The cost of cosmetic dental treatment is not a qualified medical expense. Also see Bleaching/teeth whitening; and Bonding of the teeth.
Dental treatment X Amounts paid for dental treatment (X-rays, fillings, extractions, dentures, caps, crowns, fluoride treatments, implants, etc.) and orthodontia (including braces) are qualified dental care expenses. Additionally, when prescribed by a dentist or orthodontist, the installation and monthly rental charges for home water fluoride treatments are qualified dental care expenses. Also see Dental, cosmetic; and Toothbrush.
Dentures See Dental treatment.
Denturist X Amounts paid to a denturist for the treatment of a dental condition are qualified limited-purpose expenses. (A denturist is a dental technician specializing in making and fitting dentures as a direct service to the public rather than through a licensed dentist.) 
Dependent care See Babysitting/child and dependent care; and Disabled dependent care.
Dermatology X
Diabetic equipment,  supplies X Amounts paid for diabetic equipment and supplies are qualified preventive care expenses.

These include but are not limited to:
- Glucose monitor
- Urine/blood test strips
- Insulin
- Syringes
- Alcohol swabs

Diagnostic services X Amounts paid for diagnostic services are qualified preventive care expenses. Also see Body scan.
Diapers, diaper service X
Diarrhea medicine X
Diet foods X
Dietary supplements X
Dietician X
Disabled dependent care X When for the vision, dental or preventive care of a disabled dependent, the cost of disabled dependent care may be a qualified limited-purpose expense. Submit evidence of medical necessity (e.g., prescription, doctor's note) with the request for reimbursement.
X When for any other medical care, the cost of disabled dependent care is not reimbursable.
Disabled person See Braille books and magazines; Disabled dependent care; Guide dog; Human guide; and Schools, special.
DNA collection and storage X
Doula X Amounts paid for a birthing assistant/coach for women during labor and after childbirth are not qualified medical expenses.
Drug addiction X
Drug overdose, treatment of X
Drugs   See Medicine and drugs from other countries; Medicine, over-the-counter (OTC); and Medicine, prescription
Durable medical equipment (DME) X The cost to purchase or rent durable medical equipment for vision, dental or preventive care is a qualified limited-purpose expense. DME includes but is not limited to:
- Blood pressure kit
X Expenses for all other medical care are not reimbursable.
Dyslexia See Schools, special; and Tutoring.

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