Eligible Expenses

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This page outlines which items are approved expenses that can be paid from a health savings account (HSA) or medical flexible spending account (FSA).

The eligibility list for products eligible for reimbursement from health savings accounts (HSAs) and medical flexible spending accounts (FSAs) has been expanded since the beginning of the COVID-19 pandemic.

Recently, personal protective equipment (PPE) such as masks, hand sanitizer, and hand sanitizing wipes were added. Previously, over-the-counter (OTC) drugs and medicines became eligible without a prescription. Feminine hygiene products such as tampons, pads, liners, cups, and sponges are now also eligible. You can file for reimbursement for these items if you've purchased them since January 1 2020.

Click for more information: If your debit card is declined when attempting to purchase these items, it is likely because merchant and pharmacy systems are being updated and may not reflect the new changes yet. We encourage you to keep receipts of purchases that may be eligible and request reimbursement through your online account.

Items may also be newly eligible for health reimbursement arrangement (HRA) plans, but your employer may limit which product categories can be expensed.

Definitions

Eligible: This can be purchased or reimbursed from your medical spending account*.
Potentially Eligible: In order to determine eligibility for potentially eligible items, Further requires a Letter of Medical Necessity (linked below) from your health care provider.
Ineligible: These products and services are not eligible for HSA or FSA reimbursement.
OTC: Over the counter. Items noted only with "OTC" are eligible without a prescription.

Download the Letter of Medical Necessity

Item List

This list does not apply for HRAs. For an HRA, the eligible products and services are determined by your group or employer. If you have eligibility questions about your HRA, check with your benefits administrator.

Tips:

Avoid brand names and use generic terms for this search. If you have any questions about a product or service which is not in any of these lists please contact customer service: 1-800-859-2144.

Spanish list

Item	Eligibility	Notes
Abdominal supports Binder, girdle, posture, lumbo-sacral, lumbar	Eligible
Abortion	Eligible
Acid Controllers/Antacids Maalox, Tums, Pepto-Bismol, Pepto Bismol, Alka-seltzer, Prilosec, Pepcid, Omeprazole, Zantac, Nexium	Eligible
Acne Treatment Zit, salicylic	Eligible
Acupuncture	Eligible
Air conditioner	Potentially Eligible	Capital Expense
Air purifier	Potentially Eligible	Capital Expense
Alcoholism treatment Rehabilitation	Eligible
Allergy medicine Allegra, Benadryl, NSAIDs, Claritin, Zyrtec, Xyzal, Antihistamines, Alavert, Brompheniramine, Clarinex, Astelin, Optivar, Elestat, Patanol, Flonase	Eligible	OTC
Analgesics (e.g., vaporizing rub) Biofreeze, Vicks vaporub, Bengay, Capzasin, Icyhot, Solarcaine, chest rub	Eligible	OTC
Anti-Arithritics	Eligible
Antibiotics Neosporin, Polysporin	Eligible
Anti-diarrhea medicine	Eligible	OTC
Anti-gas, Antacid Gax-x, Beano, Maalox, Prilosec, Zantac	Eligible	OTC
Antihistimines Claritin, Zyrtec	Eligible	OTC
Anti-inflammatory Ibuprofen, Advil, Motrin, Midol, Naproxen, Aleve, Naprosyn	Eligible	OTC
Antiperspirant	Ineligible
Arch supports	Eligible
Artificial limbs	Eligible
Aspirin Bayer, Ecotrin	Eligible	OTC
Asthma treatments (e.g., inhaler, nebulizer)	Eligible
Athletic club membership Gym	Potentially Eligible
Automobile modifications	Potentially Eligible	Capital Expense
Bandaids/bandages Band-aids, curad, OTC, over the counter	Eligible	OTC
Bariatric surgery	Eligible
Behavioral modification programs	Potentially Eligible
Birth Control Pills	Potentially Eligible	Valid Prescription Required
Birthing tubs	Ineligible
Blemish concealer	Ineligible
Blood pressure monitoring devices	Eligible
Body scans (e.g., MRI, CAT Scan)	Eligible
Bottled water	Ineligible
Brace (e.g., knee, back, wrist)	Eligible
Braille books/magazines	Ineligible
Breast pumps and supplies for pump only	Eligible
Breast reconstructive surgery	Potentially Eligible
Breast reduction surgery that is medically necessary	Potentially Eligible
Burn treatments	Eligible	OTC
Calamine lotion Caladryl	Eligible	OTC
Chapsticks/lip balm	Ineligible
Childbirth/lamaze classes (related to birth)	Eligible
Chiropractic treatments (e.g., adjustments)	Eligible
Chondroitin	Eligible	OTC
Circumcision	Eligible
Cleaning service	Ineligible
Coinsurance amounts (health, dental or vision)	Eligible
Cold and flu medicine Comtrex, DayQuil, NyQuil, Motrin, Theraflu, Vicks, Sudafed	Eligible	OTC
Cold Sore Remedies Abreva, Releev	Eligible	OTC
Cold/hot packs OTC, over the counter	Eligible	OTC
Condoms contraceptive, contraceptives, OTC	Eligible	OTC
Contact lens solutions/cleaners OTC, over the counter	Eligible	OTC
Contact lenses (corrective)	Eligible
Convalescent home (for medical treatment only)	Eligible
Copayments (health, dental or vision)	Eligible
Corn and callus removers	Eligible	OTC
Cosmetic surgery	Potentially Eligible	For repair or reconstruction after accident or surgery or for correction of birth defect
Cosmetic surgery and procedures	Ineligible
Cosmetics, hygiene products and similar items	Ineligible
Cotton balls (sterile)	Eligible	OTC
COVID testing Coronavirus, COVID-19, Delta	Eligible	OTC
Cough drops, cough suppressants Pediacare, Robitussin	Eligible	OTC
C-PAP machine and supplies	Eligible
Crutches (purchase or rental)	Eligible
Dancing lessons	Ineligible
Decongestants Dimetapp, Sudafed	Eligible	OTC
Deductibles (health, dental or vision)	Eligible
Dental floss	Ineligible
Dental procedures, non-cosmetic (e.g., X-rays, fillings, extractions, crowns, implants)	Eligible
Denture adhesive OTC, over the counter	Eligible	OTC
Denture care cleaning products OTC, over the counter	Eligible	OTC
Dentures	Eligible
Deodorant	Ineligible
Diabetic supplies (e.g., insulin, syringe, monitor, insulin pump) OTC, over the counter	Eligible	OTC
Diaper rash treatment Balmex, Desitin	Eligible	OTC
Diapers or diaper service	Ineligible
Diet foods	Ineligible
Dietary supplements	Potentially Eligible
Digestive relief (e.g.Tums, Pepto-Bismol)	Eligible
DNA collection and storage	Potentially Eligible
Drug addiction/substance abuse treatment	Eligible
Drugs imported from other countries	Ineligible
Dust masks	Ineligible
Dyslexia testing and instruction	Potentially Eligible
Ear or body piercing	Ineligible
Ear plugs	Potentially Eligible
Ear wax removal kits	Eligible	OTC
Elastic wraps	Eligible	OTC
Electrolysis or hair removal	Ineligible
Elevator	Potentially Eligible	Capital Expense
Embryo, egg and sperm storage fees	Eligible
Ensure	Ineligible
Exercise equipment or programs Gym, club, workout	Potentially Eligible
Expectorants Mucinex, Triaminic	Eligible	OTC
Eye drops (non-medicated) Opcon-A, Visine, OTC, over the counter	Eligible	Vision
Eye exams	Eligible
Eye surgery (laser or radial keratotomy) Lasik	Eligible
Eyeglasses – prescription sunglasses/safety glasses	Eligible
Eyeglasses – reading	Eligible
Face creams	Ineligible
Feminine Anti-fungal / Anti-itch	Eligible	OTC
Feminine hygiene products (e.g., tampons)	Eligible
Fertility treatments (e.g., artificial insemination, egg donor fees, in vitro)	Eligible
Fiber laxatives Citrucel, Metamucil	Eligible	OTC
First aid kits OTC, over the counter	Eligible	OTC
Flu shots	Eligible
Fluoridation device	Potentially Eligible
Fluoridation treatment at a dental office	Eligible
Fluoride rinses	Eligible	Valid Prescription Required, OTC
Food thickeners	Potentially Eligible
Funeral, cremation or burial expenses	Ineligible
Gambling addiction treatment	Eligible
Genetic testing	Potentially Eligible
Glucosamine	Eligible	OTC
Group therapy (for patient)	Eligible
Group therapy for family member	Potentially Eligible
Guide dog/service animal (purchase, care for, training)	Potentially Eligible
Hair colorants	Ineligible
Hair growth/removal products	Potentially Eligible
Hair transplants	Ineligible
Hand sanitizer – antibacterial Germ-X, Purell	Eligible
Hand/skin lotion	Ineligible
Head lice treatment	Eligible
Hearing tests and aids	Eligible
Heating pad	Eligible	OTC
Hemorrhoid treatments Preparation H, Tucks	Eligible	OTC
Herbal treatment	Potentially Eligible
Holistic or natural healers consult	Potentially Eligible
Holistic remedies/medicines	Potentially Eligible
Home health care	Eligible
Home improvements (e.g., exit ramps, widening doorways)	Potentially Eligible	Capital Expense
Hormone replacement therapy (HRT)	Potentially Eligible
Hormone therapy	Potentially Eligible
Household help	Ineligible
Household products/improvements to treat allergies	Potentially Eligible
Illegal operations and treatments	Ineligible
Illegally obtained drugs	Ineligible
Immunizations	Eligible
Incontinence supplies	Eligible	OTC
Individual counseling	Eligible	Counseling must be performed to alleviate or prevent a physical or mental defect or illness
Insect bite/sting medicine Benadryl, Cortaid	Eligible	OTC
Insurance premiums	Ineligible	Certain health insurance premiums are eligible to be paid out of an HSA. Qualified premiums include: COBRA health insurance, insurance premiums after you reach age 65 (including Medicare Parts A, B, C and D but not Medicare supplement plans), qualified long-term care insurance, health insurance premiums while receiving unemployment compensation under state or federal law and premiums for employer-sponsored retiree medical plans for account holders 65 and older.
Lab tests	Eligible
Lactation consultant	Potentially Eligible
Lactose intolerance pills Lactaid	Potentially Eligible
Late fees (e.g., for late payment of bills for medical services)	Ineligible
Laxatives Ex-Lax, Miralax	Eligible	OTC
Lead-based paint removal	Potentially Eligible
Learning disability treatment	Potentially Eligible
Lodging (away from home for outpatient care)	Potentially Eligible	Special rules may apply
Lodging while attending a medical conference	Ineligible
Make-up	Ineligible
Manual therapy	Potentially Eligible
Marijuana or other controlled substances in violation of federal law	Ineligible
Marriage counseling	Ineligible
Massage therapy	Potentially Eligible
Mastectomy-related special bras	Eligible
Maternity clothes	Ineligible
Meals	Ineligible
Medical conference admission and transportation	Potentially Eligible	Excludes meals and lodging
Medical grade face mask	Eligible
Medical newsletter	Ineligible
Medical records charges	Eligible
Medicated lip balm/cream	Eligible	OTC
Menstrual pain relievers	Eligible	OTC
Mentally handicapped residential or group home	Potentially Eligible
Missed appointment fees	Ineligible
Moisturizers	Ineligible
Mouthwash	Ineligible
Nasal sprays/strips for snoring OTC, over the counter	Potentially Eligible	OTC
New parent/newborn child care classes	Ineligible
Nicotine patches, gum, lozenges Nicoderm, Nicorette	Eligible	OTC
Non-prescription eyeglasses, sunglasses, safety glasses or contacts	Ineligible
Nutritional consultation	Eligible
Nutritional Counseling	Potentially Eligible
Occlusal guards to prevent teeth grinding	Eligible
Orajel pain relief	Eligible	OTC
Orajel toothpaste	Ineligible
Oral surgery	Eligible
Oral wound treatments (cold sores)	Eligible	OTC
Organ transplant (including donor’s expenses)	Eligible
Orthodontics Braces, orthodontia, invisaligne	Eligible
Orthopedic Inserts OTC, over the counter	Eligible	OTC
Orthopedic shoes	Potentially Eligible
Oxygen and oxygen equipment	Eligible
Oxygen equipment OTC, over the counter	Eligible	OTC
Pain relievers Tylenol, Alieve, Biofreeze, Advil, Ibuprofen, Acetaminophen	Eligible	OTC
Patient responsibilities	Eligible	Patient responsibilities under the medical, dental or vision plan solely because of the plan’s deductible, copay (coinsurance), reasonable and customary charge limit or benefit limit
Personal trainer fees	Potentially Eligible
Petroleum jelly	Potentially Eligible
Physical exams (routine, medical, well-child)	Eligible
Physical therapy	Eligible
Pregnancy test kits	Eligible	OTC
Prenatal vitamins	Eligible	OTC
Prenatal/postnatal exams	Eligible
Prepayments	Ineligible
Prescription drug discount program fees	Ineligible
Prescription drugs	Eligible	Prescription drugs imported from other countries are not covered
Prescription drugs and medicines imported from other countries	Ineligible
Prescription drugs that also have a cosmetic purpose (e.g., Retin-A, Rogaine, Botox, Propecia)	Potentially Eligible
Preventive care screenings (e.g., mammogram, colonoscopy)	Eligible
Probiotics culterelle	Potentially Eligible
Prosthesis	Eligible
Psoriasis treatment	Eligible	OTC
Psychiatric care	Eligible
Reading glasses	Eligible	OTC
Respiratory Treatments	Eligible	OTC
Rubbing alcohol	Eligible	OTC
Sanitizing Wipes	Eligible	OTC
Shampoo	Ineligible
Shaving cream	Ineligible
Shipping and handling fees for eligible expenses	Eligible
Skin irritation treatment	Eligible
Sleep aids and Sedatives	Eligible
Sleep study	Eligible
Smoking cessation medications/programs	Eligible
Special education costs for dependents with disabilities	Potentially Eligible
Special foods/beverages	Ineligible
Speech therapy	Eligible
Sports training and activities	Ineligible
St. John’s Wort	Potentially Eligible
Stem cell, harvesting and/or storage of	Potentially Eligible
Stomach Remedies	Eligible	OTC
Sunburn treatments Solarcaine	Eligible	OTC
Sunscreen	Eligible	Must be broad spectrum and at least SPF 15, OTC
Support stockings (e.g., Jobst stockings)	Potentially Eligible
Surrogate expenses	Ineligible
Swimming lessons	Ineligible
Swimming pool and maintenance	Ineligible
Tanning salons and equipment	Ineligible
Taxes paid for eligible expenses	Eligible
Teeth whitening	Ineligible
Telephone/television equipment for hearing impaired persons	Potentially Eligible
Thermometers	Eligible	OTC
Throat lozenges/cough drops Cepacol, Chloraseptic	Eligible	OTC
Toothbrush Crest	Ineligible
Transportation costs of disabled individual commuting to and from work	Ineligible
Transportation expenses relative to health care	Eligible	Corresponding medical documentation requested
Travel for general health improvement	Ineligible
Tubal ligation/tubal ligation reversal	Eligible
Umbilical cord, freezing and storing of	Potentially Eligible
Vaccinations	Eligible
Varicose veins, treatment of	Eligible
Vasectomy/vasectomy reversal	Eligible
Veneers	Ineligible
Vitamins and minerals	Potentially Eligible
Walkers/canes (purchase or rental)	Eligible
Wart remover products	Eligible	OTC
Weight loss program, medications and treatments	Potentially Eligible	Must be prescribed by a physician for a specific medical condition - excludes food
Wheelchair (purchase or rental)	Eligible
Wigs	Potentially Eligible
Wrist/joint supports	Eligible	OTC
X-rays	Eligible
Yeast infection medication	Eligible	OTC

*Medical expenses that can be reimbursed through your medical spending account include services and supplies incurred by you or your eligible dependents for the diagnosis, treatment or prevention of disease or for the amounts you pay for transportation to get medical care. In general, deductions allowed for medical expenses on your federal income tax according to Internal Revenue Code Section 213 (d) may be reimbursed through your HSA. You cannot deduct medical expenses on your federal income tax that have been reimbursed through your HSA. It is possible that changes in the IRS rules can affect the eligible, potentially eligible, and/or ineligible expense categories.