Common HSA, HRA & FSA Eligible Expenses

The following is a summary of common expenses claimed against Health Savings Accounts (HSAs), Health Reimbursement Arrangements (HRAs), and Healthcare Flexible Spending Accounts (HC-FSAs). Due to frequent updates to the regulations governing these accounts and arrangements, this list does not guarantee reimbursement and is to be utilized as a guide for the submission of claims. For more information on IRS-qualified medical expenses, click here.

 

Common IRS-Qualified Medical Expenses

  • Acupuncture
  • Ambulance
  • Artificial limbs
  • Artificial teeth*
  • Birth control treatment
  • Blood sugar test kits for diabetics
  • Breast pumps and lactation supplies
  • Chiropractor
  • Contact lenses and solutions*
  • Crutches
  • Dental treatments (including X-rays, cleanings, fillings, sealants, braces and tooth removals*)
  • Doctor’s office visits and co-pays
  • Drug addiction treatment
  • Drug prescriptions
  • Eyeglasses (Rx and reading)*
  • Fluoride treatments*
  • Feminine hygiene products
  • Fertility enhancement (including in-vitro fertilization)
  • Flu shots
  • Guide dogs
  • Hearing aids and batteries
  • Infertility treatment
  • Inpatient alcoholism treatment
  • Insulin
  • Laboratory fees
  • Laser eye surgery*
  • Medical alert bracelet
  • Medical records charges
  • Midwife
  • Occlusal guards to prevent teeth grinding
  • Orthodontics*
  • Orthotic Inserts (custom or off the shelf)
  • Over-the-counter medicines and drugs (see more information below)
  • Physical therapy
  • Special education services for learning disabilities (recommended by a doctor)
  • Speech therapy
  • Stop-smoking programs (including nicotine gum or patches, if prescribed)
  • Surgery, excluding cosmetic surgery
  • Vaccines
  • Vasectomy
  • Vision exam*
  • Walker, cane
  • Wheelchair

 

Common Over-the-Counter (OTC) Medicines

  • Allergy medicine
  • Analgesics (e.g., vaporizing rub)
  • Anti-diarrhea medicine
  • Anti-gas, Antacid
  • Antihistimines
  • Anti-inflammatory medication
  • Aspirin
  • Bandages
  • Burn treatments, OTC
  • Calamine lotion
  • Cold and flu medicine
  • Cold sore remedies
  • Cold/hot packs
  • Condoms
  • Contact lens solutions/cleaners
  • Cotton balls (sterile)
  • Cough drops, cough suppressants
  • Decongestants 
  • Diaper rash treatments
  • Elastic wraps
  • Expectorants
  • Eye drops (nonmedicated)
  • Feminine hygiene products
  • Fiber laxatives
  • First-aid kits
  • Heating pads
  • Hemorrhoid treatments
  • Insect bite/sting medicine
  • Medicated lip balm/cream
  • Menstrual pain relievers
  • Nicotine patches, gum and lozenges
  • OTC pain relievers
  • Pregnancy test kits
  • Prenatal vitamins
  • Reading glasses
  • Stomach remedies
  • Sunburn treatments
  • Sunscreen
  • Thermometers
  • Throat lozenges/cough drops

 

Please note, this list is not all encompassing. For more information on your medical spending account, please contact your plan administrator. For full list and publication please visit IRS.gov

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