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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
Hair removal or transplant The cost of hair removal or a hair transplant is not a qualifying medical expense. Also see Cosmetic treatment.
Headache medication X
Health club X When recommended by a health care professional for preventive care (including obesity), dues paid to a health club, YMCA or YWCA are qualified preventive care expenses. Submit evidence of medical necessity (e.g., prescription, doctor's note) with the request for reimbursement. Note: Reimbursement is only for the individual membership and for the component that is related to the current plan year. Any dues that carry over to a subsequent year must be submitted for that plan year of coverage.  
X When recommended for all other medical care, dues paid for a health club, YMCA or YWCA are not reimbursable.
X Health club dues, YMCA/YWCA dues or amounts paid for steam baths for general health or to relieve physical or mental discomfort not related to a medical condition are not qualified medical expenses.
Health institute X When recommended by a health care professional for vision, dental and preventive care, amounts paid to a health institute 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. 
Health Maintenance Organization (HMO) X Insurance premiums paid to an HMO are not FSA-reimbursable expenses. 
Health screening See Body scan; and Diagnostic services.
Hearing aid X
Hemorrhoid treatment X
Herbs See Dietary supplements; Fiber supplements; and Nutritional supplements.
HMO See Health Maintenance Organization.
Holistic or homeopathic practitioner X When recommended by a health care professional for vision, dental or preventive care, the cost of holistic or homeopathic car is 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. 
Home care X
Home improvements X
Hormone replacement therapy (HRT) X
Hospital services X Amounts paid for diagnostic services are qualified preventive care expenses.
X Amounts paid for ancillary hospital services (such as an upgrade from semi-private to private room, fees charged for parents to stay with a child) are qualified medical expenses. Also see Lodging/Trips.
X Expenses for all other services and procedures (meaning non-preventive) are not reimbursable. 
Household help X
Human guide X To assist a visually-impaired person, the cost of a human guide is a qualified vision care expense. Also see Guide dog.
X To assist a person with any other disability, the cost of a human guide is not reimbursable. 
Humidifier See Vaporizer/humidifier.
Hypnosis X When recommended by a health care professional for smoking cessation or weight loss, the cost of hypnosis is 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. 

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