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Eligible Expenses

This page outlines which items are approved expenses that can be paid from a health savings account (HSA) or medical flexible spending account (FSA). This list of items indicates whether a purchase is eligible, potentially eligible (under specific conditions), or ineligible.

Definitions

  • Eligible: 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.
  • 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: Products and services that are not HSA eligible. In most cases toiletries, cosmetics or products/services that are likely to be primarily for general health and well being are ineligible.
  • OTC: Over the counter. Medicines or drugs except insulin (for example, aspirin, cold remedies, or allergy medicines) are not eligible for reimbursement under an HSA (or medical FSA) unless the medicine or drug is “prescribed” (regardless of whether a prescription is required to obtain the item). Other OTC medical items noted with "OTC" (such as bandages or contact lens solution) are eligible without a prescription. 

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.

Tip: 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.

 

 

 

Eligible Expenses
Item Notes

Abdominal supports

Binder, girdle, posture, lumbo-sacral, lumbar

 

Abortion

 

Acid Controllers/Antacids*

Maalox, Tums, Pepto-Bismol, Pepto Bismol, alka-seltzer, prilosec, pepcid, omeprazole, zantac, nexium

Valid Prescription Required

Acne Treatment*

Zit, salicylic

Valid Prescription Required
Acupuncture  

Alcoholism treatment

Rehabilitation

 

Allergy medicine*†

Allegra, Benadryl, NSAIDs, Claritin, Zyrtec, Xyzal, Antihistamines, Alavert, Brompheniramine, Clarinex, Astelin, Optivar, Elestat, Patanol, Flonase, OTC, over the counter

Valid Prescription Required, OTC

Analgesics (e.g., vaporizing rub)*†

Biofreeze, vicks vaporub, bengay, capzasin, icyhot, solarcaine, chest rub, OTC, over the counter

Valid Prescription Required, OTC
Anti-Arithritics* Valid Prescription Required

Antibiotics*

neosporin, polysporin

Valid Prescription Required

Anti-diarrhea medicine*†

OTC, over the counter

Valid Prescription Required, OTC

Anti-gas, Antacid*

Gax-x, beano, maalox, prilosec, zantac, OTC, over the counter

Valid Prescription Required, OTC

Antihistimines*

claritin, zyrtec, OTC, over the counter

Valid Prescription Required, OTC

Anti-inflammatory*

ibuprofen, Advil, Motrin, Midol, naproxen, Aleve, Naprosyn, OTC, over the counter

Valid Prescription Required, OTC
Arch supports  
Artificial limbs  

Aspirin*

Bayer, Ecotrin, OTC, over the counter

Valid Prescription Required, OTC
Asthma treatments (e.g., inhaler, nebulizer)  

Bandaids/bandages

Band-aids, curad, OTC, over the counter

OTC
Bariatric surgery  
Blood pressure monitoring devices  
Body scans (e.g., MRI, CAT Scan)  
Brace (e.g., knee, back, wrist)  
Breast pumps and supplies for pump only  

Burn treatments*

OTC, over the counter

Valid Prescription Required, OTC

Calamine lotion*

Caladryl, OTC, over the counter

Valid Prescription Required, OTC
Childbirth/lamaze classes (related to birth)  
Chiropractic treatments (e.g., adjustments)  

Chondroitin

OTC, over the counter

OTC
Circumcision  
Coinsurance amounts (health, dental or vision)  

Cold and flu medicine*

Comtrex, DayQuil, NyQuil, Motrin, Theraflu, Vicks, Sudafed, OTC, over the counter

Valid Prescription Required, OTC

Cold Sore Remedies*

Abreva, Releev, OTC, over the counter

Valid Prescription Required, OTC

Cold/hot packs

OTC, over the counter

OTC

Condoms

contraceptive, contraceptives, OTC

OTC

Contact lens solutions/cleaners

OTC, over the counter

OTC
Contact lenses (corrective)  
Convalescent home (for medical treatment only)  
Copayments (health, dental or vision)  

Corn and callus removers (medicated)*

OTC, over the counter

Valid Prescription Required, OTC

Corn and callus removers (non-medicated)

OTC, over the counter

OTC

Cotton balls (sterile)

OTC, over the counter

OTC

Cough drops, cough suppressants*

Pediacare, Robitussin, OTC, over the counter

Valid Prescription Required, OTC
C-PAP machine and supplies  
Crutches (purchase or rental)  

Decongestants*

Dimetapp, Sudafed, OTC, over the counter

Valid Prescription Required, OTC
Deductibles (health, dental or vision)  
Dental procedures, non-cosmetic (e.g., X-rays, fillings, extractions, crowns, implants)  

Denture adhesive

OTC, over the counter

OTC

Denture care cleaning products

OTC, over the counter

OTC
Dentures  

Diabetic supplies (e.g., insulin, syringe, monitor, insulin pump)

OTC, over the counter

OTC

Diaper rash treatment*

balmex, desitin, OTC, over the counter

Valid Prescription Required, OTC
Drug addiction/substance abuse treatment  

Ear wax removal kits

OTC, over the counter

OTC

Elastic wraps

OTC, over the counter

OTC
Embryo, egg and sperm storage fees  

Expectorants*

Mucinex, Triaminic, OTC, over the counter

Valid Prescription Required, OTC

Eye drops (non-medicated)

Opcon-A, Visine, OTC, over the counter

OTC
Eye exams  
Eye surgery (laser or radial keratotomy)  
Eyeglasses – prescription sunglasses/safety glasses  
Eyeglasses – reading  

Feminine Anti-fungal / Anti-itch*

OTC, over the counter

Valid Prescription Required, OTC
Fertility treatments (e.g., artificial insemination, egg donor fees, in vitro)  

Fiber laxatives*

Citrucel, Metamucil, OTC, over the counter

Valid Prescription Required, OTC

First aid kits

OTC, over the counter

OTC
Flu shots  
Fluoridation treatment at a dental office  

Fluoride rinses*

OTC, over the counter

Valid Prescription Required, OTC
Gambling addiction treatment  

Glucosamine

OTC, over the counter

OTC
Group therapy (for patient)  
Head lice treatment* Valid Prescription Required
Hearing tests and aids  

Heating pad

OTC, over the counter

OTC

Hemorrhoid treatments*

Preparation H, Tucks, OTC, over the counter

Valid Prescription Required, OTC
Home health care  
Hormone replacement therapy (HRT)  
Immunizations  

Incontinence supplies

OTC, over the counter

OTC

Individual counseling

Counseling must be performed to alleviate or prevent a physical or mental defect or illness

Counseling must be performed to alleviate or prevent a physical or mental defect or illness

Insect bite/sting medicine*

Benadryl, Cortaid, OTC, over the counter

Valid Prescription Required, OTC
Lab tests  

Laxatives*

Ex-Lax, Miralax, OTC, over the counter

Valid Prescription Required, OTC
Mastectomy-related special bras  
Medical records charges  

Medicated lip balm/cream*

OTC, over the counter

Valid Prescription Required, OTC

Menstrual pain relievers*

OTC, over the counter

Valid Prescription Required, OTC

Nicotine patches, gum, lozenges*

Nicoderm, Nicorette, OTC, over the counter

Valid Prescription Required, OTC
Occlusal guards to prevent teeth grinding  

Orajel pain relief*

OTC, over the counter

Valid Prescription Required, OTC
Oral surgery  

Oral wound treatments (cold sores)*

OTC, over the counter

Valid Prescription Required, OTC
Organ transplant (including donor’s expenses)  

Orthodontics

Braces, orthodontia, invisaligne

 

Orthopedic Inserts

OTC, over the counter

OTC
Oxygen and oxygen equipment  

Oxygen equipment

OTC, over the counter

OTC

Pain relievers*

Tylenol, Alieve, Biofreeze, Advil, Ibuprofen, Acetaminophen, OTC, over the counter

Valid Prescription Required, OTC

Patient responsibilities

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

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
Physical exams (routine, medical, well-child)  
Physical therapy  

Pregnancy test kits

OTC, over the counter

OTC

Prenatal vitamins

OTC, over the counter

OTC
Prenatal/postnatal exams  

Prescription drugs

Prescription drugs imported from other countries are not covered

Prescription drugs imported from other countries are not covered
Preventive care screenings (e.g., mammogram, colonoscopy)  

Prosthesis

 

Psoriasis treatment*

OTC, over the counter

Valid Prescription Required, OTC
Psychiatric care  

Reading glasses

OTC, over the counter

OTC

Respiratory Treatments*

OTC, over the counter

Valid Prescription Required, OTC

Rubbing alcohol*

OTC, over the counter

Valid Prescription Required, OTC
Shipping and handling fees for eligible expenses  
Skin irritation treatment* Valid Prescription Required
Sleep aids and Sedatives* Valid Prescription Required
Sleep study  
Smoking cessation medications/programs  
Speech therapy  

Stomach Remedies*

OTC, over the counter

Valid Prescription Required, OTC

Sunburn treatments*

Solarcaine, OTC, over the counter

Valid Prescription Required, OTC

Sunscreen 

Must be broad spectrum and at least SPF 15

OTC, over the counter

Must be broad spectrum and at least SPF 15, OTC
Taxes paid for eligible expenses  

Thermometers

OTC, over the counter

OTC

Throat lozenges/cough drops*

Cepacol, Chloraseptic, OTC, over the counter

Valid Prescription Required, OTC

Transportation expenses relative to health care 

Corresponding medical documentation requested

Corresponding medical documentation requested
Tubal ligation/tubal ligation reversal  
Vaccinations  
Varicose veins, treatment of  
Vasectomy/vasectomy reversal  
Walkers/canes (purchase or rental)  

Wart remover products*

OTC, over the counter

Valid Prescription Required, OTC
Wheelchair (purchase or rental)  

Wrist/joint supports

OTC, over the counter

OTC
X-rays  

Yeast infection medication*

OTC, over the counter

Valid Prescription Required, OTC

* Valid prescription required

† Over the counter item 

Potentially Eligible Expenses
Item Notes
Air conditioner Capital Expense
Air purifier Capital Expense

Athletic club membership

Gym

 
Automobile modifications Capital Expense
Behavioral modification programs  

Birth Control Pills*

contraceptives, contraceptive

Valid Prescription Required
Breast reconstructive surgery  
Breast reduction surgery that is medically necessary  

Cosmetic surgery

For repair or reconstruction after accident or surgery or for correction of birth defect

For repair or reconstruction after accident or surgery or for correction of birth defect
Dietary supplements  

Digestive aids

Tums, pepto-bismol, pepto bismol

 
DNA collection and storage  
Dyslexia testing and instruction  
Ear plugs  
Elevator Capital Expense

Exercise equipment or programs

Gym, club, workout

 
Fluoridation device  
Food thickeners  
Genetic testing  
Group therapy for family member  
Guide dog/service animal (purchase, care for, training)  
Hair growth/removal products  

Hand sanitizer – antibacterial

Germ-X, Purell

 
Herbal treatment  
Holistic or natural healers consult  
Holistic remedies/medicines  
Home improvements (e.g., exit ramps, widening doorways) Capital Expense
Hormone therapy  
Household products/improvements to treat allergies  
Lactation consultant  

Lactose intolerance pills

Lactaid

 
Lead-based paint removal  
Learning disability treatment  

Lodging (away from home for outpatient care) 

Special rules may apply

Special rules may apply
Manual therapy  
Massage therapy  

Medical conference admission and transportation 

Excludes meals and lodging

Excludes meals and lodging
Medical grade face mask  
Mentally handicapped residential or group home  

Nasal sprays/strips for snoring

OTC, over the counter

OTC
Nutritional Counseling  
Orthopedic shoes  
Personal trainer fees  
Petroleum jelly  
Prescription drugs that also have a cosmetic purpose (e.g., Retin-A, Rogaine, Botox, Propecia)  

Probiotics

culterelle

 
Special education costs for dependents with disabilities  
St. John’s Wort  
Stem cell, harvesting and/or storage of  
Support stockings (e.g., Jobst stockings)  
Telephone/television equipment for hearing impaired persons  
Umbilical cord, freezing and storing of  
Vitamins and minerals  

Weight loss program, medications and treatments

Must be prescribed by a physician for a specific medical condition - excludes food

Must be prescribed by a physician for a specific medical condition - excludes food
Wigs  

* Valid prescription required

† Over the counter item 

‡ Capital Expense

Ineligible Expenses
Item Notes
Antiperspirant  
Birthing tubs  
Blemish concealer  
Bottled water  
Braille books/magazines  
Chapsticks/lip balm  
Cleaning service  
Cosmetic surgery and procedures  
Cosmetics, hygiene products and similar items  
Dancing lessons  
Dental floss  
Deodorant  
Diapers or diaper service  
Diet foods  
Drugs imported from other countries  
Dust masks  
Ear or body piercing  
Electrolysis or hair removal  
Ensure  
Face creams  
Feminine hygiene products (e.g., tampons)  
Funeral, cremation or burial expenses  
Hair colorants  
Hair transplants  
Hand/skin lotion  
Household help  
Illegal operations and treatments  
Illegally obtained drugs  

Insurance premiums

Certain health insurance premiums are eligible to be paid out of an HSA.

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.
Late fees (e.g., for late payment of bills for medical services)  
Lodging while attending a medical conference  
Make-up  
Marijuana or other controlled substances in violation of federal law  
Marriage counseling  
Maternity clothes  
Meals  
Medical newsletter  
Missed appointment fees  
Moisturizers  
Mouthwash  
New parent/newborn child care classes  
Non-prescription eyeglasses, sunglasses, safety glasses or contacts  
Orajel toothpaste  
Prepayments  
Prescription drug discount program fees  
Prescription drugs and medicines imported from other countries  
Shampoo  
Shaving cream  
Special foods/beverages  
Sports training and activities  
Surrogate expenses  
Swimming lessons  
Swimming pool and maintenance  
Tanning salons and equipment  
Teeth whitening  
Transportation costs of disabled individual commuting to and from work  
Travel for general health improvement  
Veneers  
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