FSA Eligible Expenses

Below you will find a list of eligible expenses that you can be reimbursed for using your Flexible Spending Account (FSA). Please review this list carefully, as new laws have changed the way you can use your FSA. For example, eligible over-the-counter medicines are only reimbursable if submitted with a doctor’s prescription. 

This list is not inclusive, so if you are unsure if an expense is eligible for reimbursement, please call us at (800) 688-2611, Monday through Friday from 8:30AM to 10:00PM EST. You may also download a printable version of the eligible expenses list: FSA Eligible Expense List

Health Flexible Spending Account

Medical, Dental, and Vision Expenses

  • Acupuncture
  • Alcoholism treatment
  • Ambulance 
  • Artificial teeth/dentures
  • Birth control 
  • Braces
  • Braille books and magazines
  • Breast pumps and lactation supplies
  • Chiropractors
  • Chondroitin
  • Christian Science Practitioners’ fees
  • Co-insurance amount you pay
  • Co-pay amount you pay
  • Contact lenses and eyeglasses, plus eye examination
  • Contact lens solutions 
  • Cosmetic surgery (due to illness or injury only) 
  • Cost of medically necessary operations and related treatments
  • Crutches 
  • Deductible medical coverage amounts you pay
  • Dental fees
  • Drug (by prescription) and medical supplies
  • Fee for practical nurse
  • Fees for healing services
  • Glucosamine
  • Hearing devices and batteries
  • Home improvements motivated by medical considerations
  • Hospital bills
  • Incontinence products 
  • Insulin
  • Laboratory fees
  • Lamaze classes
  • Lead-based paint removal (for children with lead poisoning)
  • Medical information plan
  • Nurses’ fees (including nurses’ board and social security tax paid by you)
  • Obstetrical expenses
  • Orthopedic shoes*
  • Orthotics 
  • Oxygen
  • Physical fees
  • Physician recommended swimming pool or spa equipment costs (restricted by IRS regulations)
  • Prenatal vitamins
  • Psychiatrists’ and psychologists’ fees 
  • Radial keratotomy and LASIK eye surgery
  • Routine physical and other non-diagnostic services or treatments
  • School tuition for persons with disabilities 
  • Seeing-eye dog and maintenance
  • Smoking cessation programs
  • Special diets required by illness or allergy
  • Special education for the blind
  • Special home care for person with mental disabilities 
  • Special plumbing for persons with disabilities
  • Special schools for persons with disabilities
  • Sterilization (e.g. tubal ligation, vasectomy) and reversal
  • Surgical fees
  • Telephone for hearing impaired
  • Television audio display equipment for hearing impaired
  • Therapeutic care for drug and alcohol addiction 
  • Therapy treatments
  • Transportation expenses primarily in the rendering of medical services
  • Weight loss program (if prescribed by physician to treat existing disease)
  • Wheelchair 
  • X-rays
*Requires a Letter of Medical Necessity Form or a prescription.  Reimbursement is permitted for the cost difference between orthopedic shoes and regular shoes.

Over-the-Counter Medications (Please note that all over-the-counter medications will require a prescription for reimbursement)

  • Allergy medication, nasal sprays
  • Analgesics, fever reducers, pain reducers (e.g. aspirin, ibuprofen, acetaminophen)
  • Antacids and heartburn relief
  • Anti-itch creams and hydrocortisone creams
  • Antibiotic ointments
  • Arthritis pain relieving creams
  • Athlete’s foot treatment and anti-fungal creams
  • Cold medicines, tablets, syrups, cough drops, and lozenges
  • Diabetes supplies, glucose monitoring 
  • Diaper rash ointment 
  • Eye drops and lubricants
  • Feminine care related to treatment of vaginal infections
  • First-aid creams
  • Laxatives
  • Massage therapy/ rolfing therapy
  • Motion sickness patches and pills
  • Pregnancy tests
  • Shampoo for treatment of lice, psoriasis
  • Smoking cessation patches, gum
  • Stomach and digestive relief items
  • Tooth and mouth pain relief medication
  • Urinary pain relief medication
  • Wart removal medication

Dependent Care Assistance Account

Dependent Care Expenses

  • Babysitters
  • Day care centers
  • Nursery schools
  • After-school programs
  • Day camp
  • Elder care

(Overnight camps are not eligible)

Individual Premium Reimbursement Account

Individual Dental, Vision and/or Disability Premiums

  • Individual dental and vision premiums
  • Individual disability premiums

Adoption Assistance Account

Adoption Assistance Expenses

  • Reasonable and necessary adoption fees
  • Court costs
  • Attorney’s fees
  • Travel expenses 

Common Expenses Not Eligible for Reimbursement (unless they are used to treat medical conditions and include proper physician’s documentation)

  • Concierge medical services - only medical services actually provided are eligible for reimbursement; membership fees for concierge services are not eligible for reimbursement
  • Cosmetic procedures
  • Hair products
  • Vitamins
  • Nutritional supplements
  • Gym equipment and membership