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The list below includes eligible, potentially eligible and ineligible health care expenses. When reviewing the list, check if the item or service has an “X” under any of the following categories:

Important Reminders

Flexible Spending Account (FSA) and Health Savings Account (HSA)

This list includes products and services that are generally eligible, ineligible or may be eligible for reimbursement from an FSA and an HSA. Some items and services differ between the FSA and the HSA. For those that are different, there is a note next to the item or service. For example, an HSA may reimburse for certain insurance premiums whereas an FSA cannot.

Health Reimbursement Arrangement (HRA) and Limited Purpose Flexible Spending Account (LPFSA)

For HRA and LPFSA, please review your plan documents. They will tell you if some eligible health care expenses may not be eligible for your plan. For example, an LPFSA may be limited to only dental and vision expenses for the entire plan year. An HRA may cover only certain insurance premiums but not others.

Note: An FSA, LPFSA and HRA have limitations and may have certain exclusions. The information here is general in nature and is for informational purposes only. Please refer to your plan documents for information specific to your plan.

IRS Publications 502 and 969

For more information on eligible health care expenses, refer to IRS Publications 502 and 969. You can also find them at www.irs.gov Publication 502 can help you determine your health care expenses for Schedule A tax deductions. There are a few differences between this publication and your employer’s plan. Publication 969 includes information on what’s eligible for an FSA, HRA and HSA. Here are some distinctions for FSAs, HRAs and HSAs that are different from what Publication 502 states.
  • Expenses are incurred when you receive the medical care and not when you are formally billed or charged, or pay, for the medical care.
  • Insurance premiums of any type are not eligible expenses under an FSA.
  • OTC drugs and medicines are eligible expenses only with a written prescription from your health care provider.
  • Certain OTC products and supplies are eligible expenses without a prescription.
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Expense Type Eligible Requires LOMN Requires an RX Ineligible Description

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