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FSA & HSA Eligible Expenses

Eyeglasses. Orthodontics. Flu shots. Just because they aren’t typically covered by health insurance doesn’t mean you don’t need them. To help offset the expense, a Flexible Spending Account (FSA) allows you to set aside a portion of your paycheck using pre-tax dollars. The below lists may help determine whether an expense is eligible: 


ELIGIBLE HEALTH CARE EXPENSES

Caring for the Handicapped
Lab Exams & Tests
Routine/Preventative Care
Child Birth
Medical Equipment
Specialists
Dental
Medical Procedures
Therapy
Family Planning
Medicines & Drugs
Vision
Hearing
Miscellaneous
Over-the-Counter


Over-the-Counter

  • Bandages
  • Callous and corn removers
  • Crutches
  • Cushions, pads, arch supports
  • First-Aid kits
  • Gauze and gauze pads
  • Heating pads
  • Hot/cold packs
  • Hydrogen Peroxide
  • Incontinence supplies for adults
  • Medical tape
  • Pedialyte for child’s dehydration
  • Rubbing alcohol
  • Sunscreen (SPF 15+)
  • Supports and braces
  • Thermometers

Important Note: Prescriptions for OTC drugs and medicines must be submitted to Sentinel Benefits along with a request for reimbursement.

Caring for the Handicapped

  • Service dog
  • Special education for the blind
  • Tuition at special school for handicapped

Child Birth & Well-Being

  • Breast pumps & lactation supplies
  • Birthing/Lamaze
  • Childbirth expenses (physician, hospital, etc.)
  • Midwife services

Dental

  • Bridges
  • Crowns (non-cosmetic)
  • Dentures and care products
  • Exams and teeth cleaning
  • Fillings
  • Gum treatment
  • Implants
  • Occlusal guards
  • Oral surgery
  • Orthodontia
  • Root canals
  • X-Rays

Family Planning

  • Condoms
  • Fertility treatments
  • Oral contraceptives
  • Pregnancy test kit
  • Tubal ligation
  • Vasectomy

Hearing

  • Hearing aid devices and batteries
  • Hearing exams
  • Telephone for the hearing impaired

Lab Exams & Tests

  • Blood tests
  • Body scans
  • Cardiographs
  • Cholesterol testing
  • Laboratory fees
  • Mammograms
  • Radiology
  • Urine/stool analysis
  • X-Rays

Medical Equipment

  • Artificial limb/prosthetics
  • Asthma flow meters
  • Autoette/wheelchair
  • Blood pressure monitors
  • Blood sugar test kit/strips
  • Custom orthotic
  • Diabetic Supplies
  • Glucose kits, monitors and testers
  • Heart rate monitors
  • Medic-alert bracelet
  • Nebulizers/Vaporizers
  • Prosthesis
  • Syringes

Medical Procedures

  • Acupuncture
  • Breast reconstruction surgery (following mastectomy due to disease)
  • Operations (non-cosmetic)
  • Organ donor’s medical expenses
  • Surgical fees

Medicines & Drugs

  • Insulin
  • Prescription Drugs

Miscellaneous

  • Ambulance service
  • Co-insurance and co-pays
  • Deductible eligible expenses
  • Hospital services
  • Transportation expenses incurred for the rendering of medical services
  • Routine or Preventative Care
  • Flu shots
  • Immunizations/Vaccinations
  • Physical exams

Specialists

  • Chiropractor
  • Dermatologist
  • Osteopath
  • Psychiatrist

Therapy

  • Alcoholism treatments
  • Drug dependency treatments
  • Physical therapy
  • Smoking cessation programs
  • Speech therapy

Vision

  • Artificial eyes
  • Contact lenses & cleaning solutions 
  • Eye examinations
  • Eye surgery
  • Eyeglasses
  • Laser eye surgery/LASIK
  • Prescription sunglasses
  • Seeing eye dog and its upkeep


INELIGIBLE HEALTHCARE EXPENSES

  • Christian Science practitioner*
  • Compression hosiery* (for treatment of varicose veins)
  • Cosmetic Surgery/Procedures
  • Dancing/Exercise/Fitness Programs*
  • Diaper Service
  • Doula*
  • Electrolysis
  • Exercise Equipment/Personal Trainers
  • Fiber supplements*
  • Glucosamine/Chondrotin*
  • Hair Loss Medication
  • Hair Transplant
  • Handicap automobile modifications* 
  • Health Club Dues*
  • Herbal supplements*
  • Humidifier*
  • Insurance Premiums and Interest
  • Lactation consultant*
  • Language training for disabled child*
  • Laser hair removal
  • Lead-based paint removal*
  • Long-Term Care Premiums
  • Marriage Counseling
  • Massage*
  • Maternity Clothes
  • Mentally handicapped or disabled person’s cost for special home*
  • Nutritionist*
  • Orthopedic shoes* (to the extent the cost exceeds that of normal shoes)
  • Prenatal vitamins*
  • Psychoanalysis*
  • Psychologist*
  • Special food/beverage* (cost difference from regular food purchase)
  • Special formula*
  • Stem cell harvesting*
  • Swimming Lessons
  • Teeth Bleaching or Whitening
  • Vitamins or nutritional supplements*
  • Weight-loss program*
  • Wig*

*Expenses marked with an asterisk (*) are “potentially eligible expenses” that require a Note of Medical Necessity from your health care provider to qualify for reimbursement.


ELIGIBLE DEPENDENT CARE EXPENSES

Eligible expenses under a Dependent Care FSA are defined as those that enable the participant or the participant’s spouse to work or to look for work. For purposes of a Dependent Care FSA plan, a “qualified dependent” must be under the age of 13, unless mentally or physically handicapped. Per IRS regulations, the service provider cannot be an individual under the age of 19 whom a personal tax exemption may be claimed and/or a child of the participant or spouse.

  • After-school care or extended day programs
  • Babysitters (not for social events)
  • Caregivers for a disabled spouse or dependent who lives with the participant
  • Child care centers that care for six or more children and that meet the IRS’s definition of a qualified day care center
  • Day camps
  • Nursery schools
  • Transportation services provided by the dependent care provider


INELIGIBLE DEPENDENT CARE EXPENSES

  • Babysitting for social events
  • Educational expenses
  • Expenses deducted from personal income tax return (dependent care)
  • Kindergarten
  • Overnight camps


Important Note: This list is not meant to be all-inclusive. For a full list please refer to IRS Code Section 213(d).

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