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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
Pain reliever X
Parking See Transportation.
Pastoral counseling X
Paternity test X
Patterning exercises X
Peak flow meter   See Asthma equipment.
Personal trainer X
Physical exam X The cost of a physical exam is a qualified preventive care expense.
Physical exam for caregiver X
Physical therapy X
Preexisting condition X Dental, vision and preventive care costs not covered by the respective plan due to the plan's limitation on preexisting conditions are qualified limited-purpose expenses. 
X Costs not covered for all other medical care due to a preexisting condition clause are not reimbursable. 
Pregnancy termination X
Pregnancy test kit X
Premiums See Insurance premiums.
Prenatal vitamins See Medicine, over-the-counter (OTC); Medicine, prescription; and Preventive care.
Prepayment of medical care X
Prescription drugs See Medicine and drugs from other countries; and Medicine, prescription.
Preventive care X The cost of preventive care is a qualified limited-purpose expense.  Preventive care includes but is not limited to:
- Periodic health evaluations, including tests and diagnostic procedures in connection with routine examinations (for ex., an annual physical)
- Routine prenatal and well-child care
- Child and adult immunizations
- Smoking cessation programs*
- Weight-loss program for obesity*
- Certain screening services
- Preventive prescription and OTC drugs and medicines

* Submit evidence of medical necessity (e.g., prescription, doctor's note) with the request for reimbursement. Note: Preventive care does not generally include any service or benefit intended to treat an existing illness, injury or condition. 

Private hospital room X
Propecia X
Prosthesis X
Psychiatric care X
Psychoanalysis X
Psychologist X
Purifier X

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