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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
Marijuana See Controlled substance in violation of federal law; and Illegal operation or treatment. 
Marriage counseling X
Massage therapy X
Mastectomy-related expenses X
Maternity charges X
Maternity clothes X
Mattress X
Meals X
Medical alert bracelet or necklace X The cost of a medical alert bracelet or necklace for a vision, dental or preventive care condition (such as diabetes) is a qualified medical expense.
X The cost of a medical alert bracelet or necklace for any other medical condition is not reimbursable. 
Medical care outside the U.S X The cost of legal dental, vision or preventive care received outside the U.S. is a qualified limited-purpose expense.  Note: The care must be legal in the foreign country and in the U.S. (had it been provided here). Also see Medicine and drugs from other countries; and Operation
X The cost of any other medical care is not reimbursable.
Medical conferences See Educational classes.
Medical information plan X The cost to store dental or vision information in, and to be able to retrieve that information from, a computer data bank is a qualified limited-purpose expense. Also see Medical records, charges for.  
X Amounts paid for storage, retrieval or copying of any other medical information are not reimbursable.
Medical monitoring and testing devices X The cost of a medical monitoring and testing device specific to vision, dental and preventive care is a qualified limited-purpose expense. Also see Blood pressure monitoring device; Blood sugar test kit and strips; and Diabetic equipment and supplies.
Medical newsletter X The cost of a medical newsletter is not a qualified medical expense as the newsletter does not directly treat the medical condition. 
Medical records, charges for X The cost of transferring or copying medical records for vision, dental and preventive care is a qualified limited-purpose expense. 

 

X The cost of transferring or copying medical records for any other medical care is not reimbursable.
Medical services X Amounts paid to physicians, surgeons, specialists and other medical practitioners for dental, vision and preventive care are qualified limited-purpose expenses.  
X Amounts paid for all other medical care are not reimbursable.
Medicare Parts A, B and D X
Medicine and drugs from other countries X The cost of medicine or drugs purchased from another country for use in this country is not a qualified medical expense, unless the Food and Drug Administration (FDA) announces that a prescribed drug can be legally imported by individuals. 
X For vision, dental or preventive care only, the cost of  prescription medicine purchased and consumed in another country (such as while on vacation or living as an expatriate), if the drug is legal in both the other country and the U.S., is a qualified medical expense.
X The cost for prescription medicine purchased and consumed in another country for any other medical condition is not reimbursable. 
Medicine, over-the-counter (OTC) X The cost of an OTC medication or item for vision, dental and preventive care is a qualified limited-purpose expense. Examples include but are not limited to:
- Dental care (toothache relief, denture adhesive, temporary fillings, etc.)
- Eye care (lubricant eye drops, contact lens solution, eye patches, reading glasses, etc.)
- Home diagnostic tests or kits (blood pressure, cholesterol screening, diabetes, colorectal cancer, HIV status, etc.)
- Smoking cessation relief (patches, gum, etc.) 
- Weight-loss*
- Iron tablets for anemia*
- Prenatal vitamins*

* Submit evidence of medical necessity (e.g., prescription, doctor's note) with the request for reimbursement.

X The cost of any other OTC item is not reimbursable.
X The cost of an item that is "merely beneficial to an individual's general health" is not a qualified medical expense. Examples of non-qualified items include but are not limited to:
- Vitamins
- Nutritional aids and supplements
- Toiletries (toothpaste, deodorant, etc.)
- Cosmetics
Note: When prescribed by a health care professional as treatment for a medical condition, certain non-qualified expenses may become qualified. Submit evidence of medical necessity (e.g., prescription, doctor's note) with the request for reimbursement.
Medicine, prescription X The cost of a prescription drug for vision, dental or preventive care is a qualified limited-purpose expense. Note: Qualified expenses also include delivery charges and mail-order postage and handling fees.
X The cost for any other prescription medication is not reimbursable. 
Menstrual pain reliever X
Mental retardation (special home for) X
Mentally challenged, special home for X
Midwife X
Mineral supplements X
Missed appointment fee X
Monitor See Medical monitoring and testing devices.
Morning-after contraceptive pill X
Motion sickness pills X
Mouth guard X When recommended by a dentist to prevent a person from grinding his or her teeth at night, the cost of an occlusal guard is a qualified dental expense.  Submit evidence of medical necessity (e.g., prescription, doctor's note) with the request for reimbursement.
X The cost of a sports-related safety guard not related to a medical or dental condition, even when recommended by a dentist or health care professional, is not a qualified medical expense. 

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