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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
Ear/body piercing X
Ear plugs X
Ear wax removal product X
Educational classes X The cost of an educational class specific to a vision or dental condition or for preventive care (such as learning to manage diabetes or learning Braille) is a qualified limited-purpose expense. Submit evidence of the medical condition, as well as a description of the class, conference or seminar, with the request for reimbursement.
X The cost of an educational class for all other medical care is not reimbursable. 
X The cost of an educational class not specific to a medical condition or for general well-being (such as care for a newborn or breast feeding) is not a qualified medical expense. 
Egg donor fees X
Eggs and embryos, storage fees for X
Electrolysis X
Elevator X
Exercise equipment and exercise program X When recommended by a health care professional for preventive care (including obesity), the cost of exercise equipment or an exercise program is a qualified preventive care expense. Submit evidence of medical necessity (e.g., prescription, doctor's note) with the request for reimbursement.
X The cost of exercise equipment or an exercise program to treat any other medical condition is not reimbursable
X The cost of exercise equipment or an exercise program for improvement of general health is not a qualified medical expense.
Expectorant X
Experimental drugs X The cost of a legally-obtained experimental drug for vision, dental and preventive care is a qualified limited-purpose expense. 
X The cost of a legally-obtained experimental drug for any other medical condition is not reimbursable.
Eye exam X The cost of an eye exam is a qualified vision care expense. 
Eyeglasses, supplies (storage case, replacement cost, etc.), warranties X When needed for vision correction, amounts paid for the following items are qualified vision care expenses:
- prescription eyewear and supplies (eyeglasses, goggles, safety glasses, sports eyewear, sunglasses)
- tinting of prescription eyewear
- eye exams (refractions) 
- over-the-counter reading glasses and other vision aids
X Amounts paid for warranties and cleaners for the items listed above are also qualified vision care expenses. 
X Amounts paid for over-the-counter sunglasses, as well as eyeglasses not needed for vision correction or reading, are not qualified medical expenses. 
Eye surgery See LASIK and laser eye surgery

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