FSAok

ANNOUNCING FSAok® AutoCopay™
Pharmacies Click here Consumers Click here AutoCopay Press release

Because of manual claims, people don’t use their FSA or HRA benefit for most eligible over-the-counter medication purchases

What's FSA-eligible Can Vary for Each FSA Plan?

What's an eligible purchase for your FSA or HRA health spending account? The IRS maintains guidelines and a list of eligible medical expenses that your employer and FSA benefits administrator use to determine eligibility of items that you purchase. What does that mean to you? It means that if you believe it's an eligible medical expense, even though it may not be marked eligible in the store, you should claim it. And mostly for healthcare purchases that you make in a store, if it's FSA-eligible, it's eligible for your HSA.

That's great news because FSAok tracks health-related purchases that may be FSA-eligible even though if it isn't marked that way at the store.

To help guide you, here is a partial list of the types of items that may be eligible and you might find at an FSAok participating retailer (see IRS Pub 502 for more information). You should check with your company's FSA benefits administrator or human resources department to check the eligibility of any particular item for your FSA, HRA or HSA healthcare spending account.

A |B |C |D |E |F |G |H |I |J |K |L |M |N |O |P |Q |R |S |T |U |V |W |X |Y |Z

Condition/Type of Service/Expense	Usually Eligible	Sometimes Eligible	Not Eligible	Comments
ADAPTIVE EQUIPMENT		X		Adaptive equipment for a major disability, such as a spinal cord injury, can be reimbursed. Adaptive equipment to assist you with activities of daily living (ADL) for persons with arthritis, lupus, fibromyalgia, etc., can be reimbursed.
AIR CONDITIONERS/AIR PURIFIERS		X		See ALLERGY PRODUCTS
ALLERGY PRODUCTS		X		Eligible expenses include products and home improvements to treat severe allergies. Examples include: Electro-static air purifier HEPA furnace filters and HEPA vacuum cleaner filters (only the difference in cost of the HEPA product minus the standard product can be reimbursed.) Humidifier Home/automobile air conditioners Special vacuum cleaners for persons with respiratory problems Special pillow cases, mattress covers, or other bedding barriers that provide protection against allergens to alleviate an allergic condition Note: See CAPITAL EXPENSES for important information and guidance.
BABY FORMULA		X		If your baby requires a special formula to treat an illness or disorder, the difference in cost between the special formula and routine baby formula can be reimbursed.
BAND-AIDS/BANDAGES	X			See OTC
BEDBOARDS		X
BEDSIDE COMMODES	X
BIRTH CONTROL	X			Birth Control Pills, including (but not limited to): Demuelon Ortho-Novum Genora Ovcon Levelen Ovral Loestrin Syntex Lo-Ovral Tri-Levelen Modicon Tri-Norinyl Nordette Triphasil Norinyl Also Included: Condoms Norplant Ovulation Kits Spermicides
BLOOD PRESSURE MONITORS	X			See OTC
BREAST PUMPS		X		Routine use of a breast pump is not an eligible expense. If the nursing mother (you or your spouse) or your baby has a medical condition that can be relieved through use of a breast pump, the expense of your breast pump can be reimbursed.
CHAIRS, ergonomic			X	Ergonomic chairs are not eligible.
CHAIRS, reclining		X		Reclining chairs that both elevate the legs and tilt the torso may be considered for reimbursement. The chair must be specifically prescribed by a physician to alleviate a specific medical condition and you must submit a fully completed Letter of Medical Necessity that clearly documents how the chair will alleviate the condition or diagnosis for the expense to be considered. Reimbursement will be limited to a maximum amount of $650 for one chair purchased every 10 years per participant and/or his or her dependents. No other types of chairs are eligible.
CIALIS	X
CO-INSURANCE	X			Cannot be reimbursed by secondary insurance or any other source.
CONTACT LENSES	X
CONTROLLED SUBSTANCES			X
CO-PAYMENTS	X			Cannot be reimbursed by secondary insurance or any other source.
CRUTCHES	X
DEDUCTIBLES	X			Cannot be reimbursed by secondary insurance or any other source.
DIABETIC SUPPLIES	X
DIAPER RASH CREAMS	X			See OTC
DIAPERS, DIAPER SERVICE			X	Routine care of healthy newborn
DIAPERS, DIAPER SERVICE (cont.)	X			To relieve or ameliorate the effect of a particular illness or disease on you, your disabled child or dependent, who would not need this product “but for” the medical condition.
DRUGS				See CONTROLLED SUBSTANCES, PRESCRIPTION DRUGS and OTC
EAR PLUGS		X		Must be prescribed to treat a specific medical condition, such as the presence of middle/inner ear tubes.
EYEGLASSES	X			Includes prescription sunglasses and reading glasses (even those purchased over-the-counter).
FERTILITY ENHANCEMENT	X			Includes ovulation predictor kits and pregnancy tests.
FINANCE CHARGES			X
FIRST AID KIT	X			See OTC
FLU SHOTS	X
FOOD		X		Food may be eligible if prescribed by a medical practitioner to treat a specific illness or ailment and if the food does not substitute for normal nutritional requirements. However, the amount that may qualify for reimbursement is limited to the amount by which the cost of the food exceeds the cost of commonly available versions of the same product.
GLUCOSAMINE	X			See OTC
HEALTH SCREENINGS	X			See PREVENTIVE CARE SCREENINGS
HEARING AIDS	X			Includes batteries
HOME MEDICAL EQUIPMENT	X
HOMEOPATHIC CARE	X			Homeopathic care rendered by a licensed health care professional who provides this care for the treatment of a specific illness or disorder for you, your spouse or dependent can be reimbursed.
HOMEOPATHIC MEDICINES		X		Homeopathic medicines used for treatment of a specific illness or disorder can be reimbursed.
HUMIDIFIERS		X		See ALLERGY RELIEF, CAPITAL EXPENSES
IMMUNIZATIONS	X			Includes those recommended for overseas travel
INSURANCE PREMIUMS			X	Under IRS rules, insurance premiums cannot be reimbursed under a health care FSA.
LATE PAYMENT FEES			X
LATE PICK-UP FEES	X
LEVITRA	X
MATERNITY				See PREGNANCY AIDS
MATERNITY CLOTHES			X
MEALS			X
MEDICAL ALERT BRACELET	X
MEDICAL INFORMATION	X			Amounts paid to a plan that maintains electronic medical information for you, your spouse or dependents are eligible for reimbursement.
MEDICAL RECORDS	X			Costs associated with copying or transferring medical records to a new provider are eligible for reimbursement.
MEDICAL SUPPLIES	X			Please refer to OTC Quick Reference Guide
MILEAGE	X			See TRANSPORTATION
NUTRITIONAL SUPPLEMENTS		X		Dietary, nutritional, and herbal supplements, vitamins, and natural medicines are not reimbursable if they are merely beneficial for general health. However, they may be reimbursable if recommended by a medical practitioner to treat a specific medical condition.
OVER-THE-COUNTER MEDICINES AND SUPPLIES	X			See OTC Quick Reference Guide for more details
OVER-THE-COUNTER MEDICINES AND SUPPLIES (cont.)	X			Eligible dental or vision over-the-counter expenses, such as denture care products, and contact lens cleaning, soaking solutions and lens cases may be reimbursed.
OVULATION MONITOR	X
OXYGEN		X
PARKING FEES AND TOLLS	X			See TRANSPORTATION
PERSONAL ITEMS			X
PILLOWS, lumbar support		X		Pillows or cushions that provide lumbar support may be eligible for reimbursement if prescribed by a licensed health care provider to alleviate a specific medical condition.
POST-MASTECTOMY CLOTHING	X			Prosthetic bras and related clothing purchased after any surgical procedure related to breast cancer (lumpectomy, mastectomy, etc.) are eligible for expenses. Prosthetic bras and inserts are reimbursable at 100%. Tank tops or swimwear with built-in prosthetic bras are reimbursed up to 50% of the total cost not to exceed $75.
PREGNANCY AIDS	X			Items that relieve or reduce the discomfort of pregnancy may be reimbursed. Examples include: Maternity girdles Elastic hosiery Maternity support belts
PREGNANCY TESTS	X			See OTC
PRESCRIPTION DRUG DISCOUNT PROGRAM			X	Fees paid to get access to drugs at a reduced cost are not eligible for reimbursement. Actual costs paid for prescription drugs are an eligible expense.
PRESCRIPTION DRUGS	X			Eligible expenses include deductibles, co-payments or co-insurance as well as the costs for prescription drugs that may not be covered under FEHB, such as drugs that treat erectile dysfunction.
PRESCRIPTION DRUGS - IMPORTED			X	IRS regulations state that any drug imported into the United States by a consumer is not eligible for reimbursement under an FSA.
PROSTHETICS	X
READING GLASSES	X			See EYEGLASSES
RETIN-A	X
ROGAINE		X		See OTC Quick Reference Guide
SHIPPING AND HANDLING	X			Shipping and handling charges for medical needs, such as mail-order prescriptions and eligible over-the-counter items.
SMOKING CESSATION PROGRAMS	X
SPECIAL FOODS		X		If prescribed by a physician to treat a special illness or ailment, and not merely as a substitute for normal nutritional requirements. The amount that can be reimbursed is limited to the amount that the special food exceeds the cost of commonly available versions of the same product.
SUBWAY FARE	X			See TRANSPORTATION
SUN-PROTECTIVE CLOTHING		X		Clothing that offers at least 30+ UVA and UVB sun protection for individuals with melanoma or other skin cancer, systemic lupus erythematosus (SLE), acute cutaneous lupus (ACLE) or other significant dermatologic conditions may be eligible with a letter of medical necessity from your doctor. The clothing is reimbursed for the difference between “normal” apparel and this specially-constructed clothing up to 33% of the total cost. The receipt must show the purchase was from an accredited sun-protective company such as Solumbra® or Coolibar®.
SUNSCREEN	X			See OTC Quick Reference Guide
TANNING SALON OR EQUIPMENT			X	No, if just to improve general health or appearance.
TANNING SALON OR EQUIPMENT (cont.)		X		May be reimbursed for treatment of certain skin disorders, such as eczema and psoriasis.
TAXES	X			Taxes on medical services and products may be reimbursed . This includes local, state, service and other taxes.
TAXI FARE	X			See TRANSPORTATION
TEETH WHITENING			X	Teeth whitening products or services to enhance the brightness of your teeth are cosmetic and cannot be reimbursed.
TEETH WHITENING (cont.)		X		Teeth whitening performed to restore function after an injury or trauma or to correct a congenital disease can be reimbursed.
TELEPHONE FOR HEARING IMPAIRED	X			Expenses associated with purchasing or repairing special telephone equipment for you, your spouse or dependent with a hearing impairment are eligible for reimbursement.
TRAIN FARE	X			See TRANSPORTATION
TRANSPORTATION	X			Mileage for cars and motorcycles and actual fare for buses, taxis, subways and trains for travel to and from health care providers, hospitals, pharmacies and other places you receive medical care can be reimbursed. The 2006 calendar year standard mileage rate is 18 cents per mile when using a car or motorcycle to obtain medical care. Effective January 1, 2007, the standard mileage rate will increase to 20 cents per mile for medical care received during the 2007 calendar year. To ensure your transportation claim is approved, be sure to submit your receipt(s) if applicable, or an itemization of your travel that includes the date(s) of service and mileage or fare for each trip.
TRANSPORTATION (cont.)		X		In some cases, transportation expenses of the following persons may be reimbursed: Visits to see your mentally ill dependent, if part of a treatment plan.
VIAGRA	X
VISION CARE	X
VISION DISCOUNT PROGRAMS			X	Fees paid to gain access to a vision network, or to a reduced fee structure are not an eligible expense . See INSURANCE PREMIUMS
VITAMINS		X		See OTC
WALKERS	X
WATER FLUORIDATION		X
WEIGHT LOSS PROGRAMS		X		Food is not eligible, even if it is part of the weight loss program. See FOOD
WHIRLPOOL BATHS		X
WHEELCHAIRS	X
WIG		X		The full cost of a wig purchased because the patient has lost all of his or her hair from disease or treatment.

Guidelines listed here are subject to change without notice.