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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
Safety glasses See Eyeglasses
Schools, residential See Schools, special.
Schools, special X If the main reason for using a school is its resources to work with visually impaired children (for ex., teaching Braille), payments to a special school are qualified vision care expenses. Note: The cost of meals, lodging and ordinary education by the special school may also be qualified expenses if the main reason for the child being there is for the school's resources to relieve the visual disability.
X If the main reason for using the school is its resources to work with children with any other disability, payments are not reimbursable. 
Screening tests See Diagnostic services; and Preventive care
Seeing-eye dog See Guide dog.
Sexual counseling X
Sexual dysfunction X
Shipping and handling fees X Shipping and handling fees for vision, dental and preventive care (for contact lenses, preventive medications, etc.) are qualified limited-purpose expenses.
X Shipping and handling fees for all other medical care are not reimbursable.
Sinus medication X
Sleep deprivation treatment X
Smoking cessation X Amounts paid for stop-smoking treatments, medications and program are qualified preventive care expenses. 
Special foods X
Speech therapy X
Sperm storage X
Spermicide X
Stem cell harvesting or storage X
Sterilization X
Stop-smoking program See Smoking cessation.
Student health fee X The cost of vision, dental or preventive care is a qualified medical expense. 
X The cost for any other medical care is not reimbursable. 
X Fees for belonging to the program or as premium for future health care are not FSA-reimbursable expenses.
Substance abuse X
Sunburn cream and ointment X
Sunglasses See Eyeglasses
Sunscreen, with high SPF X The cost of sunscreen with high SPF (30 or higher) is a qualified preventive care expense. 
X The cost of sunscreen with SPF lower than 30 or for lotion that contains sunscreen is not a qualified medical expense. 
Supplements X
Surgery X
Surrogate mother X
Swim lessons/Swim therapy X

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