Eligible Expenses

Eligible Expenses

Wondering if that doctor’s visit can be reimbursed with your FSA? Curious if those eyeglasses can be purchased using your HSA? Or if that train fare can be paid for using your Commuter Benefit plan? Knowing what expenses are eligible under an HSA, HRA, FSA or Commuter Benefit can be confusing. NueSynergy has put together an interactive list of eligible expenses to help ensure you get the most out of your benefit account.

Not finding the expense you were looking for? Contact our team to get the answers you need.

(Note: The IRS determines what expenses are eligible for tax-free benefit accounts. This guide may not contain a complete list of eligible expenses and does not guarantee reimbursement)

 

Eligibility Expense Type More Information
Eligible Abortion

You can include in medical expenses the amount you pay for a legal abortion.

Eligible Acupuncture

The cost of acupuncture is an eligible medical expense.

Eligible Adaptive Equipment

Adaptive equipment for a major disability, such as a spinal cord injury, can be reimbursed.To qualify, the item must be used to relieve or alleviate sickness or disability. Depending on the nature of the item, only amounts above the cost of the regular version of the item will qualify. Includes various items that assist individuals in performing activities of daily living (e.g., feeding, bathing).

Eligible Adoption Fees

The fees you pay to an adoption agency that facilitates the process

Eligible Adult day care center
Eligible Alcoholism, Drug Addiction Treatment

The cost of treatment at a center for alcohol or drug addiction is an eligible medical expense. This includes meals and lodging provided by an inpatient center during treatment.

Eligible Ambulance Service

The fee paid for ambulance services is an eligible medical expense.

Eligible Anesthesiology

Anesthesiology fees are eligible medical expenses

Eligible Artificial Eye, Limb, Teeth

Amount paid for the design and purchase of an artificial limb, eye or teeth is an eligible medical expense.

Eligible Asthma Equipment and Treatment

The cost of asthma equipment such as a nebulizer or peak flow meter is an eligible medical expense. 

Eligible Au pair
Eligible Automated External Defibrillator (AED)

The cost of an automated external defibrillator is an eligible medical expense.

Eligible Babysitting (work-related, in your home or someone else's home)
Eligible Babysitting by your relative who is not a tax dependent (work-related)
Eligible Back Brace

Both Rigid (Hard) and Soft (Elastic) Back Braces are eligible medical expenses.

Eligible Bandages, Band-Aids

The cost of bandages is an eligible medical expense. 

Eligible Bed Wetting Alarms

Covered for children 5 years of age or older.

Eligible Before or after school programs
Eligible Birth Control

The cost of prescription birth control (such as IUD, diaphragm, pill, Norplant, etc.) is an eligible medical expense. Also amounts paid for OTC products and devices (such as condoms, etc.) are eligible medical expenses.

Eligible Blood Pressure Monitor

The cost of a blood pressure monitoring device is an eligible medical expense.

Eligible Body Scan

The cost of a body scan (e.g., an MRI,PET,CAT) is an eligible medical expense.

Eligible Bracanalysis Testing

The cost of diagnostic testing for genetic mutations that may include DNA collection is an eligible medical expense.

Eligible Braces, Orthodontia

The cost of orthodontia care (including braces) is an eligible medical expense.

Eligible Braille Books and Magazines

For use by visually impaired persons, the cost of Braille books and magazines are eligible medical expense.

Note: The eligible reimbursable cost of Braille books and magazines is limited to the amount that exceeds the price for regular books and magazines.

Eligible Breast Pump Purchase or Rental

The cost to purchase or rent a breast pump is an eligible medical expense.

Eligible Breast Reconstruction Surgery

The cost of breast reconstruction surgery following a mastectomy is an eligible medical expense.

Eligible Breathalyzer

The cost of both in-home and doctor's office alcohol testing are eligible expenses.

Eligible Carpal Tunnel Wrist Supports, Braces

The cost of carpal tunnel wrist supports is an eligible medical expense.

Eligible Childbirth Classes/Lamaze

Class time instruction related to childbirth (including breathing and relaxation techniques, stages and phases of labor, labor and delivery procedures, birthing positions, movie depicting vaginal and cesarean delivery and cesarean discussion) is an eligible medical expense.

Note: Documentation must clearly show the portion of the Lamaze classes dedicated to childbirth. Reimbursement will be just for that portion. Expenses are eligible only for the woman who is having the child. Expenses for the spouse or partner attending the class with the pregnant woman are not eligible.

Eligible Chiropody (a chiropractic foot doctor)

Amounts paid to a chiropodist (a chiropractic foot doctor) is an eligible medical expense.

Eligible Chiropractor

The cost of chiropractor services is an eligible medical expense.

Eligible Cholesterol Testing

OTC portable blood test systems and test strips are an eligible medical expense.

Eligible Circumcision

The cost of circumcision is an eligible medical expense.

Eligible Clinic

The cost of medical treatment at a health clinic is an eligible medical expense. 

Eligible Co-Insurance

A coinsurance charge for medical care is an eligible medical expense. 

Eligible Co-payment (co-pay)

A medical copayment is an eligible medical expense.

Eligible Co-payment (co-pay)

A medical copayment is an eligible medical expense.

Eligible COBRA Premiums

Insurance premiums are eligible medical expenses for an HSA in only the following situations: COBRA continuation of health care coverage; health care coverage while receiving unemployment compensation; long-term care (LTC) coverage only up to the annual amount allowed by age; and for those age 65 or older, insurance premiums for health care coverage including Medicare Parts A,B and D.

Note: Insurance premiums are not eligible medical expenses for an HSA for those age 65 or older, if the premiums are for Medicare supplement policies such as Medigap.

Eligible Cold and Hot Packs

When used for medical purposes, amounts paid for cold and hot packs are eligible medical expenses.

Note: Cold and hot packs are not eligible medical expenses when used for other purposes such as to keep beverages hot or cold.

Eligible Companion Animal

Expenses to train or procure any guide dog, signal dog, or other animal individually trained to provide assistance to you, your spouse or dependent with a disability is an eligible expense.

Eligible Compression Socks, Stockings

The cost of compression socks, also known as ante-embolism socks and stockings which assist with circulation in the feet and legs is an eligible medical expense.

Eligible Condoms

The cost of condoms are an eligible medical expense.

Eligible Contact Lenses and Supplies

Contact lenses needed to correct vision, amounts paid for the purchase of contact lenses (including shipping and handling fees) are eligible medical expenses.In addition, amounts paid for contact lens solution, supplies and exams (including fittings) are also eligible expenses.

Note: Amounts paid for cosmetic contact lenses (such as to change eye color without vision correction) are not eligible medical expenses.

Eligible Continuous Positive Airway Pressure (CPAP)

The cost of the breathing therapy known as CPAP is an eligible medical expense.

Eligible Corneal Ring Segments

The cost of these devices implanted in the eye to correct vision is an eligible medical expense.

Eligible Counseling

The cost of counseling for a medical condition is an eligible medical expense.

Eligible Crown, dental

The cost of a crown is an eligible medical expense. 

Eligible Crutches

The purchase or rental of crutches is an eligible medical expense.

Eligible Crystalens

Artificial lens implants used to treat cataracts is an eligible medical expense. 

Eligible Custodial elder care (work-related)
Eligible Decongestant

A health care professional must prescribe Over-the-Counter (OTC) drugs and medicines for you to be reimbursed for the expense. With a prescription, the cost of an OTC decongestant medicine is an eligible medical expense. 

Eligible Deductibles

Deductibles are eligible medical expenses.

Eligible Defibrillator

The cost of a defibrillator is an eligible medical expense.

Eligible Dental Care

Amounts paid for dental care (X-rays, fillings, extractions, dentures (artificial teeth), caps, crowns, fluoride treatments, implants, non-cosmetic veneers etc.) and orthodontia are eligible medical expenses. 

Note: Expenses for cosmetic dentistry are not covered.

Eligible Dental Emergency Kit

A dental emergency kit used for the temporary repair of loose caps or lost fillings is an eligible medical expense.

Eligible Denturist

Amounts paid to a denturist for the treatment of a dental condition related to the making and fitting of dentures are eligible medical expenses. 

Eligible Dependent care (while you work, to enable you to work or look for work)
Eligible Dermatology

Amounts paid to a dermatologist for a medical condition such as acne are eligible medical expenses.

Note: Precedures soley for the enhancment of appearance such as botox are not eligible expenses. 

Eligible Diabetic Equipment and Supplies

Amounts paid for diabetic equipment and supplies are eligible medical expenses. 

Eligible Diagnostic Tests and Procedures

Amounts paid for diagnostic services are eligible medical expenses 

Eligible Diathermy

The cost of diathermy used to destroy abnormal cells or as a form of physical therapy is an eligible medical expense.

Eligible Doctor Fees

The cost of doctor fees are an eligible medical expense.

Eligible Drug Addiction

Eligible expenses include inpatient treatment, outpatient care and transportation expenses associated with attending outpatient treatment.

Note: If the treatment is court-ordered, then a letter of medical necessity will be required.

Eligible Drug Overdose Treatment

The cost of treatment for a drug overdose is an eligible medical expense.

Eligible Durable Medical Equipment (DME)

The cost to purchase or rent durable medical equipment is an eligible medical expense. Examples of eligible items include:

  • bed wetting alarm
  • blood pressure kit
  • crutches
  • hearing aid
  • medical alert equipment
  • adaptive equipment that assists with daily living activities such as bath chairs, wheelchairs or bedside toilet.
Eligible Ear Plugs

The cost of ear plugs is an eligible expense.

Eligible Elder care (in your home or someone else's)
Eligible Emergency Medical Alert Device

The cost of an emergency medical alert device such as Life Alert is an eligible expense. 

Eligible Epsom Salts

Eligible when used as a Soaking Aid for sprains and bruises.

Eligible Erectile Dysfunction Treatment

The cost for the treatment of erectile dysfunction is an eligible medical expense. 

Eligible Experimental Drugs

The cost of prescription and legally-obtained experimental drugs for medical care is an eligible medical expense

Eligible Experimental Medical Services

The cost of experimental medical services are an eligible medical expense as long as they are administered by a health care professional to treat a medical condition.

Eligible Extended care (supervised program before or after regular school hours)
Eligible Eye Care and and Devices

The cost of eye exams, eye patches, reading glasses including OTC reading glasses, prescription eyeglasses (including prescription sunglasses), tinting of prescription eyewear, prescription goggles and prescription safety glasses are eligible medical expenses. In addition, repairs to Eyeglasses, Prescription Sunglasses, Reading Glasses and Prescription Goggles/Safety Glasses are all eligible medical expenses.

Note: Non-prescription sunglasses, eyeglasses needed for vision correction or reading as well as warranties for repairs and replacements are not eligible medical expenses.

Eligible Fertility Enhancement and Treatments

The cost of an ovulation kit is an eligible medical expense.

Note: Other expenses associated with an active attempt to conceive (i.e. amounts paid for egg and sperm donation, treatment of infertility, and semen and embryo storage (including shots, in-vitro fertilization, and artificial insemination) must be recommended by a healthcare professional and will require a Letter of Medical necessity to be eligible.

Eligible First Aid Kit and Supplies

The cost of a first aid kit and any first aid supplies is an eligible medical expense.

Eligible Flavoring Added to Medication

The cost of adding flavoring to medication is an eligible medical expense.

Eligible Flu Shot

The cost of a flu shot is an eligible medical expense.

Eligible Foot Care

The cost of non-medicated foot care products is an eligible medical expense.

Note: A health care professional must prescribe Over-the-Counter (OTC) drugs and medicines for you to be reimbursed for the expense. With a prescription, the cost of any OTC medicated foot care items are an eligible medical expense. 

Eligible Gastric Bypass Surgery Including Excess Skin Removal

The cost of surgical procedures for obesity treatment and the removal of any excess skin as a result of the treatment is an eligible medical expense.

Note: A health care professional must provide evidence of medical necessity for the cost of excess skin removal that is not in connection with an obesity treatment to be an eligible medical expense. Include evidence of medical necessity by providing a Letter of Medical Necessity (LMN) that specifically identifies the recommendation and expense is for treatment of a medical condition with the request for reimbursement. 

Eligible Genetic Testing

The cost of genetic testing to identify the potential for, or existence of, a medical condition is an eligible medical expense.

Eligible Guide Dog

The purchase cost along with any amounts paid for the care of a guide dog or other animal used by a visually or hearing impaired person, or to assist a person with another disability, is an eligible medical expense.

Eligible Gynecologist

The cost of gynecological care is an eligible medical expense.

Eligible Handicap Placards or License Plates

The cost for purchasing handicap placards or license plates is an eligible expense.

Eligible Hearing Aides and Batteries

The cost of a hearing aid and bateries is an eligible expense. Addtional costs related to the upkeep or maintenance of the hearing aid such as dehumidifier, sanitizer, and repairs are also eligible expenses.

Eligible Hearing Impaired Telephone

Costs associated with the purchase or maintenance of a telephone specifically for the hearing impaired is an eligible expense.

Eligible Heart Monitor

Costs for equipment to monitor the heart such as a heart rate monitor are eligible expenses.

Eligible Heating and Cooling pads

The costs associated for a heating pad or pack and cold pack is an eligible expense as long as it is used for medical purposes.

Eligible Home Diagnostic Devices or Tests

Costs associated with home diagnostic tests or devices such as home pregnancy or blood presure monitors are eligible expenses.

Eligible Hospice Care

Costs asscoaited with hospice care are eligible expenses.

Eligible Hospital Care

Costs associated with services recieved at a hosptial eligible expenses.

Eligible Housekeeper who cares for child (only portion of payment attributable to work-related child care)
Eligible Immunizations

Costs associated with vaccinarions and immunizations including those required for overseas travel are an eligible expense.

Eligible In-Home Nursing Services

Costs limited to wages paid for nursing services for the care of an eligible individual's (participant, spouse, tax dependent) medical condition is an eligible expense. Common services include:

  • changing of dressings
  • caring for wounds
  • monitoring vital signs
  • dispensing medications
  • monitoring and recording assessments
  • bathing or grooming
Eligible Insulin

The cost associated with insulin is an eligible expense.

Eligible Insurance Premiums

Insurance premiums are eligible medical expenses for an HSA in only the following situations: COBRA continuation of health care coverage; health care coverage while receiving unemployment compensation; long-term care (LTC) coverage only up to the annual amount allowed by age; and for those age 65 or older, insurance premiums for health care coverage including Medicare Parts A,B and D.

Note: Insurance premiums are not eligible medical expenses for an HSA for those age 65 or older, if the premiums are for Medicare supplement policies such as Medigap.

Eligible Kenesio Tape

The cost associated with kenesio tape is an eligbile expense.

Eligible Laboratory Expenses

The costs associated with laboratory fees are eligible expenses.

Eligible Lactation Consultant

If required due to a woman experiencing lactation problems and cannot breastfeed her child, the expense of a lactation consultant is eligible.

Eligible Lactation Devices or Aids

The cost associated with lactation devices or aids such as breast pumps or breast milk transport bags are eligible expenses.

Eligible Lamaze Class

The costs associated with lamaza class are only eligible for the woman having the child.

Note: Expenses for the spouse or partner attending the class are not eligible

Eligible Laser Eye Surgery

The costs associated with laser or LASIK eye surgey are an eligbile expense.

Eligible Legal Fees

The costs assciated with legal fees specifically for the authorization of treatment for a mentally ill patient are an eligible expense.

Note: Legal fees for estate management, guardianship, or divorce are not eligible expenses.

 

Eligible Lice Removal

Any fees paid to a lice treatment specialist for lice removal are an eligible expense.

Eligible Long Term Care Services

Costs associated with long term care services that are limited to the medical portion of care are considered eligible expenses. 

Eligible Mastectomy Related Expenses

The following expenses associated with a mastectomy are eligible medical expenses:

  • Breast prosthesis
  • Bras or other clothing specifically designed to hold the breast prosthesis (eligible amount must be above cost of the product in its standard form)
  • Specials bras or other clothing with a built-in prosthesis
Eligible Maternity Expenses

Maternity costs associated with the services of a physician or licensed midwife for the delivery of your child are eligible expenses.

Eligible Medical Care Received Outside of U.S.

Costs associated with medical care received outside of the United States are eligible expenses. 

Eligible Medical Records

Costs associated with the storage, maintenance, tranferring or copying of your electronic medical records are an eligible expense. 

Eligible Medical Services

Costs associated with medical services are an eligibile expense. This can include fees paid to a licensed physician for treatment of a medical condition, phone consultations such as TeleDoc, and virtual office visits with a licensed physician. 

Eligible Mileage Expenses

The standard milelage rate for the use of an automobile while obtaining medical care is $0.17 for 2017.

Eligible Neurologist

Costs associated with neurological care are an eligible expense.

Eligible Nursing Home

Costs associated with nursing homes are an eligible expenses as long as the primary purpose of the stay is to receive medical care.

(Note: If the primary purpose for nursing home services is other than medical care, only those expenses directly related to medical services received are eligible expenses.)

Eligible Obstetrician Services or Care

Costs associated with the service of an Obstetrician are an eligible expense. Required supporting documentation would include a copy of your EOB or itemized statement of the birth expenses.

(Note: Expenses paid prior to the birth are not eligible until the baby is born and services have been processed through insurance. This helps avoid overlapping of plan years and potential overpayments.)

Eligible Occupational Therapy

Costs associated with occupational therapy are considered and eligible expense.

Eligible Oncologist

Costs associated with an Oncologist are considered and eligible expense.

Eligible Operation or Surgery

Costs associated with an operation or surgery that is required for medical care is an eligible expense.

(Note: Procedure must be performed legally in the U.S. or in another country (if in another country, procedure must be considered legal in the U.S.))

Eligible Ophthalmologist

Costs associated with services provide by an Ophthalmologist are an eligible expense.

Eligible Optometrist

Costs associated with services provide by an Optometrist are an eligible expense.

Eligible Orthodontia

The cost of orthodontia care (including braces) is an eligible medical expense.

Eligible Orthodontia

Costs associated with services provide by an Orthodontist including braces are an eligible expense.

Eligible Orthotics

Costs associated with orthotics both custom made or over the counter inserts are an eligible expense.

(Note: Orthopedic shoes require a letter of medical necessity to be an eligible expense)

Eligible Osteopathy

Costs associated with Osteopathy are an eligible expense.

Eligible Ovulation Monitor

Costs associated with an ovulation monitor are considered an eligible expense.

Eligible Oxygen

Costs associated with the purchase of oxygen and any required equipment are eligible expenses.

Eligible Patterning Excercises

The costs assciated with hiring an individual to perform patterning excerises is an eligible expense.

Eligible Physical Therapy

The costs assiciated with physical therapy is an eligible expense.

Eligible Pregancy Aids

Costs associated with the purchase of items designed to relieve or reduce the discomfort of pregnancy are an eligible expense. These included:

  • Elastic hosiery
  • Maternity support belts
  • Maternity girdles
Eligible Pregnancy Tests

The cost assciated with the purchase of pregnancy tests is an eligible expense.

Eligible Preschool
Eligible Prescription Drugs

Costs associated with the purchase of prescription drugs are an eligible expense.

Note: Prescription drugs purchase solely for cosmetic purposes are not eligible.

Eligible Preventive Care

Costs associated with preventive care for the purposes of assessing symptoms for a medical diagnosis is an eligible expense.

Eligible Prosthetics

Costs asscoiated with the purchase of prosthetics are an eligible expense.

Eligible Psychiatric Services

Costs associated with the purchase of Psychiatric Services are an eligible expense.

Eligible Psychoanalysis

Costs associated with psychoanalysis are an eligible expense.

Eligible Psychologist

Costs associated with the services of a Psychologist are an eligible expense.

Eligible Reading Glasses

The cost of reading glasses is an eligible expense.

Eligible Registration fees (required for eligible care, after actual services received)
Eligible Sales tax

The cost of sales tax when associated with an eligible item is an eligible expense.

Eligible Senior day care
Eligible Service Animal

The cost of purchasing or training a guide dog, signal dog, or other animal individually trained to provide assistance for the disability of you, your spouse or tax dependent is an eligible expense.

Eligible Shipping and Handling Fees

Cost of shipping and handling fees when associated for medical needs. This covers mail-order prescription service when delivered inside the United States.

Eligible Smoking Cessation Programs

The cost of participating in a smoking cessation program is an eligible expense.

Eligible Speech Therapy

The costs associated with speech therapy are an eligible expense.

Eligible Sterilization Reversal

Costs associated with sterilization reversal are an eligible expense.

Eligible Substance Abuse Treatment

Costs associated with substance abuse treatment are an eligible expense.

Eligible Summer day camp
Eligible Sunscreen

The cost of the sunscreen is an eligible expense.

Eligible Taxes

Costs associate with taxes on medical services and products are an eligible expense.

Eligible Total payments (transferred from previous administrator)
Eligible Transportation to and from eligible care (provided by your care provider)
Eligible Travel Expenses and Lodging

Costs associated with transportation and lodging that is both essential to and primarily for medical care are an eligbile medical expense. 

Note: Lodging expenses are limited to $50 per person up to a maximum of $100 per night. Addtional requirements for lodging include:

  • Medical care must be provide by a doctor in a licensed healthcare facility
  • Lodging is not lavish or extravagant
  • There is no significant element of personal leisure in the travel
Eligible Ultrasound, Pre-Natal

The costs associated with an ultrasound ordered by a physician to monitor fetal growth or a pregnancy related condition is an eligible expense.

Eligible Vasectomy

The costs associated with a vasectomy are an eligible expense.

Eligible Vasectomy Reversal

The costs associated with a vasectomy reversal are an eligible expense.

Eligible Viagra

The costs associated with a viagra are an eligible expense.

Eligible Vision Care

The costs associated with vision exams are an eligible expense.

Eligible Walkers

Costs associated with the purchase of a walker are an eligible expense.

Eligible Well-Baby and Well-Child Care

Costs associated with well-baby and well-child care are an eligible expense.

Eligible Wheelchair

The cost of a wheelchair is an eligible medical expense.

Eligible Wig

The costs associated with the purchase of a wig for an individual who has lost all of their hair due to a disease or from treatment is an eligible expense.