Common FSA/HSA Eligible Expenses



Eligible Expense Checker

Search below to find eligible products. Check with your TPA to determine eligibility on your specific plan design. This list is not intended to be an exhaustive list and should only be used as a general guide.

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

Yes = Eligible on FSA/HSA/HRA* No = Not eligible on FSA/HSA/HRA* LOMN = Needs Letter of Medical Necessity

*Eligible expenses in an HRA will vary depending on plan design.

Expense Eligible? Details
AA Meetings Yes Can include medical expenses amounts you pay for transportation to and from Alcoholic Anonymous meetings in your communicty if the attendance is pursuant to medical advice for treatment of excessive use of alcohol.
Abdominal Supports Yes Including pregnancy and post-surgery supports.
Acetaminophen Yes Also known as Pain Relief Medication.
Acid Controllers Yes To treat heartburn and acid indigestion.
Acne Treatments Yes Including creams, gels, lotions, patches, soaps, and cleansers
Activated Charcoal Powder Yes when used as a first aid remedy for poison treatment
Acupressure Yes Commonly referred to as "acupuncture without the needles
Acupuncture Yes You can include in medical expenses the amount you pay for acupuncture.
After Sun Care Yes
Air Conditioner LOMN Air conditioners are eligible with a Letter of Medical Necessity. Air conditioners for general use are not eligible.
Allergy Medication Yes
Ambulance Services Yes You can include in medical expenses amounts you pay for ambulance service.
Ankle & Foot Braces Yes
Antacid Medicine Yes
Anti-Diarrheal Medication Yes
Antifungal Treatments Yes
Anti-Gas Medication Yes
Arm Slings & Cervical Collars Yes
Arthritis Braces & Joint Warmers Yes
Artifical Teeth Yes You can include in medical expenses the amount you pay for an artificial teeth.
Artificial Limbs Yes You can include in medical expenses the amount you pay for an artificial limb.
Aspirators & Suction Machines Yes
Aspirin Yes
Asthma Medication Yes
Asthma Oxygen Flow Monitor Yes
Athletic Cups & Supports Yes
Athletic Tape/Wraps Yes
Baby Care & Pain Relief Yes
Baby Ear & Nose Care Yes
Baby Electrolytes & Nutrition Yes
Baby Gas & Colic Relief Yes
Baby Medicine Applicators Yes
Baby Monitors & Accessories Yes
Baby Oral & Teething Pain Yes
Baby Powder (Medicated) Yes General baby powder is not eligible.
Baby Sitting, Childcare, and Nursing Services No You can't include in medical expenses amounts you pay for the care of children, even if the expenses enable you, your spouse, or your dependent to get medical or dental treatment. Also, any expense allowed as a childcare credit can't be treated as an expense paid for medical care.
Baby Thermometer Yes
Back Braces & Supports Yes
Backrests, Seating & Posture Aids Yes
Bandages/Band-Aids Yes
Bathing & Oral Hygiene Aids Yes Including cast covers for bathing.
Bathroom Grab Bars & Handles Yes
Bathtub & Toilet Rails Yes
Bathtub Safety (benches, seats, etc.) Yes
BedBug Treatments Yes
Birth Control Pills Yes You can include in medical expenses the amount you pay for birth control pills prescribed by a doctor.
Birthing/Lamaze Classes Yes Only the mother’s portion (not the coach/spouse) and the class must be only for birthing instruction, not child rearing
Blister Care Yes
Blood Glucose Testing & Supplies Yes
Blood Pressure Monitor Yes
Body Scan Yes You can include in medical expenses the cost of an electronic body scan.
Braces & Orthodontic Services Yes
Braille Books and Magazines Yes You can include in medical expenses the part of the cost of Braille books and magazines for use by a visually impaired person that is more than the cost of regular printed editions.
Breast Milk Storage Yes You can include in medical expenses the cost of breast pumps and supplies that assist lactation. This doesn’t include the costs of excess bottles for food storage.
Breast Pumps & Nursing Accessories Yes You can include in medical expenses the cost of breast pumps and supplies that assist lactation. This doesn’t include the costs of excess bottles for food storage.
Breast Recontruction Surgery Yes You can include in medical expenses the amounts you pay for breast reconstruction surgery, as well as breast prosthesis, following a mastectomy for cancer.
Bug Spray No Bug Spray is not eligible.
Burn/Skin Repair Yes
Callus & Corn Removers/Shavers Yes
Canes Yes
Capital Expenses for Home Improvement related to a Medical Injury Yes You can include in medical expenses amounts you pay for special equipment installed in a home, or for improvements, if their main purpose is medical care for you, your spouse, or your dependent.
Car Modifications for use of a person with a Disability Yes You can include in medical expenses the cost of special hand controls and other special equipment installed in a car for the use of a person with a disability.
Cast Boots/Accessories & Post-Op Shoes Yes
Cast Cleaning Kit Yes
Catheter Accessories Yes You can include adhesive strips.
Catheter Care Trays Yes
Catheter Collection, Drain, & Leg Bags Yes
Catheter Lubricants Yes
Catheter Tubing & Connectors Yes
Catheters Yes
Catheters & Syringes Yes
Children's Acetaminophen Yes
Children's Allergy Medication Yes You can include antihistamines, decongestants, steroids, and bronchodilators.
Children's Anti-Diarrheals Yes
Children's Anti-Gas Yes
Children's Cough, Cold, Flu & Sinus Medication Yes You can include cough medicine, combination medicines, and cold relief nasal sprays.
Children's Digestive Health Aids Yes You can include acid controllers, laxatives, and enzyme supllements.
Children's Fever Reducer Yes
Children's Fever Relief Yes You can include fever relief sheets.
Children's First Aid Yes You can include first aid kits, and bandages.
Children's Ibuprofen Yes
Children's Laxatives Yes
Children's Nasal Medication Yes
Children's Oral Care Yes You can include teeth cleanings, fillings, treatmentfor gingivitus, gum recession and other concerns, braces, and orthodontics.
Children's Pain Relief Yes You can include baby aspirin, acetaminophen, and heating/cooling pads.
Children's Sleeping & Calming Aids Yes You can include children's melatonin.
Children's Stomach Remedies Yes You can include motion-sickness relief.
Children's Sunscreen Yes
Children's Throat & Cough Relief Yes You can include cough drops and lozenges.
Chiropractic therapy/exams/adjustments Yes
Cholesterol Meters & Testing Kits Yes
Christian Science Practitioner Yes You can include in medical expenses fees you pay to Christian Science practitioners for medical care.
Circulation Massager Yes
Co-Insurance Yes Medical, dental, and vision co-insurance payments are eligible.
Cold Sore & Lip Care Yes You can include lip balm.
Colonoscopy Prep Kit Yes
Commodes Yes
Compression Clothing, Socks, & Sleeves Yes
Condoms Yes
Contact Lens Case Yes
Contact Lens Solution/Cleaner Yes
Controlled Substances No You can't include in medical expenses amounts you pay for controlled substances (such as marijuana, laetrile, etc.) that aren't legal under federal law, even if such substances are legalized by state law.
Co-payments Yes Medical, dental, and vision co-payments are eligible.
Corn & Callus Removers Yes
Corn, Callus & Bunion Pads Yes
Cosmetic Surgery No Generally, you can't include in medical expenses the amount you pay for cosmetic surgery.
Cotton Balls Yes
Cough Drops & Sore Throat Relief Yes You can include salt water rinse, hot or cold therapy, anti-inflmatory meds, vaporizers and steam inhalers.
Cough, Cold, Flu & Sinus Medication Yes You can include antihistamines, analgesics, and nasal irrigation products.
CPAP Accessories Yes You can include CPAP masks and head gear, CPAP cleaning machines, CPAP pillows, CPAP wipes, CPAP charing kits, CPAP hoses, and CPAP filters.
Crutches Yes
Dancing Lessons No You can't include in medical expenses the cost of dancing lessons, swimming lessons, etc., even if they are recommended by a doctor, if they are only for the improvement of general health.
Deductibles Yes
Dental Cleanings Yes
Dental Co-Insurance Yes
Dental Crowns Yes
Dental Deductibles Yes
Dental Fillings Yes
Dental Implants Yes
Denture Adhesives Yes
Denture Cleaners & Accessories Yes You can include ultrasonic cleansers, powders, tablets, and light therapy.
Diabetes Cough, Cold & Allergy Yes
Diabetic Neuropathy & Skin Care Yes You can include diabetic socks and lotions.
Diaper Cream & Baby Lotion Yes
Diaper Service No You can't include in medical expenses the amount you pay for diapers or diaper services, unless they are needed to relieve the effects of a particular disease.
Digestive Aids Yes You can include acid controllers, laxatives, anti-diarrheals, anti-gas, and enzyme supplements.
Disabled Dependent Care Expenses Yes Some disabled dependent care expenses may qualify as either: Medical expenses or work-related expenses for purposes of taking a credit for dependent care.
Disabled Person Housing Yes You can include improvements to property rented by a person with a disability. Amounts paid to buy and install special plumbing fixtures for a person with a disability, mainly for medical reasons, in a rented house are medical expenses.
Disposable Briefs & Undergarments Yes
Disposable Pads, Shields, Guards & Drip Collectors Yes
Disposable Underpads Yes
Disposable Underwear/Depends Yes
Drug & Alcohol Tests Yes
Drug Addiction Yes You can include in medical expenses amounts you pay for an inpatient's treatment at a therapeutic center for drug addiction. This includes meals and lodging at the center during treatment.
Ear Drops/Ear Wax Remover Yes
Ear Plugs LOMN Eligible for reimbursement with a letter of medical necessity.
Eating & Drinking Aids Yes You can include adaptive equipment, cutlery, feeding cups, and one-way straws.
Elastic Bandages/Wraps Yes
Elbow & Arm Braces Yes
Electrotherapy Supplies Yes You can include Transcutaneous Electircal Nerve Stimulation devices, Interferential Current devices, and Galvanic Stimulation devices.
Elevated Toilet Seats Yes
Emergency Contraceptives Yes
Enemas Yes
Epsom Salt Yes Eligible for reimbursement with a letter of medical necessity.
Eye Drops/Relief Yes
Eye Exams Yes
Eye Wash Yes
Feeding Tubes & Accessories Yes You can include full kits, tubes, pumps, bags, and backpacks.
Feminine Antifungal Yes
Feminine Anti-Itch Yes You can include creams, wipes, and washes.
Feminine Douches No
Feminine Pads Yes
Feminine Pain Relief Yes You can include pain relief machines, heat wraps, acetaminophen, and pills.
Feminine Personal Care Yes You can include sanitary napkins (pads), tampons, menstral cups ("diva cups"), panty linters, period panties, and feminine wipes.
Fiber Supplements LOMN Eligible for reimbursement with a letter of medical necessity.
Finger Splints & Cots Yes
First Aid Kits Yes
First Aid Tape Yes
Foam Rollers/Massage Devices Yes You can include foam rollers, foot rollers, foot massagers, pulse machines, accupressure mats, Pain relief mask, and vibrating gloves.
Foot Cushioning & Treatments Yes You can include foot pads and toe cushions.
Foot Moisturizers Yes You can include creams, lotions, and moisturizing socks.
Foot Odor Care Yes You can include creams, sprays, and masks.
Foot Pain Relief Yes You can include insoles, massagers, and rollers.
Funeral Expenses No You can't include in medical expenses amounts you pay for funerals.
Future Medical Care No Generally, you can't include in medical expenses current payments for medical care (including medical insurance) to be provided substantially beyond the end of the year. This rule doesn't apply in situations where the future care is purchased in connection with obtaining lifetime care, as explained under Lifetime Care—Advance Payments.
General Wound Cleaners Yes
Glasses Repair & Accessories Yes You can include eye-glass repair kits, and cleaning wipes.
Glucose Monitor Yes
Glucose Monitoring Patch Yes
Glucose Tablets Yes
Grooming & Dressing Aids Yes You can include dressing aid kits, bathing aid kits, and equipment.
Guide Dog Yes You can include buying, training, and maintaining a guide dog or another service animal to assist a visually impaired.
Haaring Aid Batteries Yes
Hair removal No Generally, you can't include in medical expenses the amount you pay for cosmetic surgery.
Hair Transplant No Generally, you can't include in medical expenses the amount you pay for cosmetic surgery.
Health Club Dues No You can't include in medical expenses health club dues or amounts paid to improve one's general health or to relieve physical or mental discomfort not related to a particular medical condition. You can't include in medical expenses the cost of membership in any club organized for business, pleasure, recreation, or other social purpose.
Hearing Aid Batteries Yes
Hearing Aid Case Yes
Hearing Aids Yes
Hearing Aids & Accessories Yes
Heating Pads Yes
Heel, Elbow, Foot & Ear Protectors Yes You can include braces, paddings, supports, and coverings.
Hemorrhoid Treatments Yes You can include suppositories, fiber powders, medicated cooling pads, stool softeners, cold compress and medical procedures.
Hernia Belts Yes
Home Defibrillator Yes
Home Diagnostic Tests & Accessories Yes You can include thermometers, stethescopes, blood pressure monitors, peak flow meters, HIV tests, urinalysis tests and more.
Homeopathic Remedies LOMN Eligible for reimbursement with a letter of medical necessity.
Hospital Bed Accessories Yes You can include safety railes, bed pans, security poles and more.
Hot/Cold Packs Yes
Hot/Cold Pads Yes
Household Help No You can't include in medical expenses the cost of household help, even if such help is recommended by a doctor.
Hydrogen Peroxide LOMN Eligible for reimbursement with a letter of medical necessity.
Ibuprofen Yes
Illegal Operations & Treatments No You can't include in medical expenses amounts you pay for illegal operations, treatments, or controlled substances whether rendered or prescribed by licensed or unlicensed practitioners.
In Vitro Fertilization (IVF) Yes
Incontinence Accessories Yes You can include floor mats and female external catheters.
Incontinence Moisturizers, Barriers, & Protectancts Yes
Inhalers & Humidifiers Yes
Insulin Pens, Syringes, and Supplies Yes You can include pens, syringes, and carrying cases.
Insurance Premiums No You can include in medical expenses insurance premiums you pay for policies that cover medical care.
Iodine Solution Yes
Itch Treatments Yes
IV Equipment Yes
Joint Health Care Yes You can include heat wraps, joint health tablets/vitamins, and joint wraps.
Knee Braces Yes
Laboratory Fees Yes You can include in medical expenses the amounts you pay for laboratory fees that are part of medical care.
Laser eye Surgery; LASIK Yes
Laxatives Yes
Lead-Based Paint Removal Yes You can include in medical expenses the cost of removing lead-based paints from surfaces in your home to prevent a child who has or had lead poisoning from eating the paint. These surfaces must be in poor repair (peeling or cracking) or within the child's reach.
Learning Disability Yes You can include in medical expenses fees you pay on a doctor's recommendation for a child's tutoring by a teacher who is specially trained and qualified to work with children who have learning disabilities caused by mental or physical impairments, including nervous system disorders. You can include in medical expenses the cost (tuition, meals, and lodging) of attending a school that furnishes special education to help a child to overcome learning disabilities.
Legal Fees Yes You can include in medical expenses legal fees you paid that are necessary to authorize treatment for mental illness.
Lice Treatments Yes
Lifetime Care Yes You can include in medical expenses a part of a life-care fee or “founder's fee” you pay either monthly or as a lump sum under an agreement with a retirement home.
Light Therapy Yes Includes UV B, blue light, UVA1, targeted phototherapy, and photochemothrarpy.
Lip Balm with SPF Yes Eligibile if SPF 15 or greater.
Lip Care Yes
Long Term Care Services Yes You can include in medical expenses amounts paid for qualified long-term care services and certain amounts of premiums paid for qualified long-term care insurance contracts.
Magnetic Therapy LOMN Eligible for reimbursement with a letter of medical necessity.
Massage Treatments LOMN Eligible for reimbursement with a letter of medical necessity.
Mastectomy Bras & Clothing Yes
Maternity Belts Yes
Maternity Clothes No You can't include in medical expenses amounts you pay for maternity clothes.
Maternity Supports Yes
Mattress & Pillow Pads/Covers Yes You can include pads and covers used for fluid protection.
Meals while at Hospital Yes You can include in medical expenses the cost of meals at a hospital or similar institution if a principal reason for being there is to get medical care.
Medical Alert IDs & Devices Yes You can include bracelets, necklaces, and tabs.
Medical Conferences Yes You can include in medical expenses amounts paid for admission and transportation to a medical conference if the medical conference concerns the chronic illness of yourself, your spouse, or your dependent.
Medical Supplies to Treat an Injury or Illness Yes
Medical/Surgical Supplies Yes Medical care includes amounts paid for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body.
Medicines & Drugs from Another Country No In general, you can't include in your medical expenses the cost of a prescribed drug brought in (or ordered and shipped) from another country. You can only include the cost of a drug that was imported legally.
Men's Shaving Skin Sealers Yes You can include products for shaving cuts and niks.
Menstrual Cups Yes
Mileage to and from doctor appointments Yes You can include for reimbursement mileage too and from doctors appointments at a rate of $0.17 per mile.
Mouthguards Yes You can include night mouth guards. Athletic mouth guards are not elgible.
Nasal Medication (Sprays, Drops, Inhalers, etc.) Yes
Nasal Wash Yes
Nausea & Motion Sickness Yes
Nebulizers Yes
Neck Braces Yes
Needle Containers & Disposal Systems Yes You can include special containers approved by the U.S. Food and Drug Administration (FDA) that is designed to safely hold, transport and dispose of needles and other non-sterile sharp implements after they have been used.
Nicotine Gum & Lozenges Yes
Nicotine Patch Yes
Nicotine Patches Yes
Nighttime/Dental Guards Yes
Note-taker for a hearing impaired child in school Yes
Nursing Homes Yes You can include in medical expenses the cost of medical care in a nursing home, home for the aged, or similar institution, for yourself, your spouse, or your dependents. This includes the cost of meals and lodging in the home if a principal reason for being there is to get medical care.
Nursing Services Yes You can include in medical expenses wages and other amounts you pay for nursing services.
Nursing services for care of a special medical ailment LOMN
Nutritional Supplements No You can't include in medical expenses the cost of nutritional supplements, vitamins, herbal supplements, “natural medicines,” etc., unless they are recommended by a medical practitioner as treatment for a specific medical condition diagnosed by a physician.
Optometrist's or ophthalmologist's fees Yes
Oral Pain & Mouth Sores Relief Yes
Orthodontic Wax Yes
Orthopedic shoes LOMN A letter of medical necessity is needed for reimbursements in excess of the cost of normal shoes.
Ostomy Care Yes You can include skin barriers, ostomy belts, lubricating deodorant, barriers, and more.
Ostomy Pouches Yes
Overnight Pants & Juvenile Incontinence Yes
Ovulation & Fertility Tests Yes
Oxygen equipment and oxygen LOMN
Oxygen Supplies Yes
Pain Relief - External Yes
Pain Relief - Internal Yes
Pantiliners Yes
Patient Lifting & Moving Aids Yes
Period Underwear Yes
Perscription drugs and medications Yes
Personal Use Items No You can't include in medical expenses the cost of an item ordinarily used for personal, living, or family purposes unless it is used primarily to prevent or alleviate a physical or mental disability or illness.
Physical Exams Yes
Physician fee and Hospital Services Yes
Pill Organizers Yes
Pinworm & Ringworm Treatments Yes
Planter Fasciitis Care Yes
Power Chairs & Scooters Yes
Pregnancy Tests Yes
Prenatal Vitamins Yes
Pulse Oximeter Yes
Pulse Oximeters & Heart Rate Monitors Yes
Pyschotherapy, psychiatric, and psychological service Yes
Reachers, Grippers & Lifts Yes
Reading Glasses Yes
Rescue Blanket Yes
Reusable Incontinence Garments Yes
Reusable Incontinence Underpads Yes
Rib Belts Yes
Rubbing Alcohol Yes
Sales Tax on eligible Expenses Yes
Saline Solution & Sprays Yes
Scar Treatments LOMN
Seeing eye dog Yes You can include the costs of buying, training, and maintaining seeing eye dogs.
Shoe Insoles & Inserts Yes
Shoulder & Clavicle Braces Yes
Sleep Aids & Sedatives Yes
Sleep Apnea Monitors & Accessories (CPAP, IPPB, & BiPAP Machines) Yes
Sleep Stimulants Yes
Snake Bite Kit Yes
Special Devices, such as a tape recorder or typewriter for a visually impaired person Yes
Speech Aids Yes
Splints Yes
Steam Packs, Hydrocollators & Cold Therapy Systems Yes
Sterilization Yes You can include in medical expenses the cost of a legal sterilization (a legally performed operation to make a person unable to have children).
Stethoscopes & Accessories Yes
Stomach & Nausea Medicine Yes
Stool Softeners Yes
Sunscreen Yes
Support hose (non-compression) LOMN
Surgical Tape Yes
Swimming Lessons No You can't include in medical expenses the cost of dancing lessons, swimming lessons, etc., even if they are recommended by a doctor, if they are only for the improvement of general health.
Tampons Yes
Teeth Whitening No You can't include in medical expenses amounts paid to whiten teeth.
Telephone Yes You can include in medical expenses the cost of special telephone equipment that lets a person who is deaf, hard of hearing, or has a speech disability communicate over a regular telephone. This includes teletypewriter (TTY) and telecommunications device for the deaf (TDD) equipment. You can also include the cost of repairing the equipment.
Television Yes You can include in medical expenses the cost of equipment that displays the audio part of television programs as subtitles for persons with a hearing disability.
Temporary Dental Repair Yes
Therapeutic Hair & Scalp Treatments Yes
Therapeutic Hand & Body Moisturizers Yes
Thermometers Yes
Thigh, Calf & Shin Braces Yes
Tick Treatments Yes
Topical Antibiotics & Antimicrobials Yes
Tourniquets Yes
Tracheostomy Supplies Yes
Traction Equipment Yes
Transplants Yes You can include in medical expenses amounts paid for medical care you receive because you are a donor or a possible donor of a kidney or other organ. This includes transportation.
Transportation Yes You can include in medical expenses amounts paid for transportation primarily for, and essential to, medical care.
Trips Yes You can include in medical expenses amounts you pay for transportation to another city if the trip is primarily for, and essential to, receiving medical services.
Tuition Yes Under special circumstances, you can include charges for tuition in medical expenses.
Urinals & Bedpans Yes
Urinary Tract Infection Urine Test Strips Yes
Urine Test Strips Yes
Vaccinations Yes
Vapor Rubs Yes
Varicose Vein treatment Yes
Vasectomy Yes You can include in medical expenses the amount you pay for a vasectomy.
Veneers LOMN
Veterinary Fees No You generally can't include veterinary fees in your medical expenses, but you can include in medical expenses the costs of buying, training, and maintaining a guide dog or other service animal to assist a visually impaired or hearing disabled person, or a person with other physical disabilities.
Visual Alert System in the home Yes You can include otheritems such as a special phone required for a hearing impaired person.
Vitamins & dietary supplements LOMN
Walkers Yes
Walking Aid Accessories Yes
Wart Removers Yes
Weight-Loss Program No You can include in medical expenses amounts you pay to lose weight if it is a treatment for a specific disease diagnosed by a physician (such as obesity, hypertension, or heart disease).
Wheelchair Yes You can include in medical expenses the amounts you pay for a wheelchair used for the relief of a sickness or disability. The cost of operating and maintaining the wheelchair is also a medical expense.
Wheelchair Accessories Yes
Wheelchair Belts & Straps Yes
Wheelchair Cushions/Seats Yes
Wheelchair Foot Rests Yes
Wheelchair Leg Rests Yes
Wheelchair Ramps & Lifts Yes
Wheelchairs Yes
Wigs LOMN You can include the cost of wigs for mental health conditions of individual who loses hair because of a disease.
Witch Hazel Yes
Wound Dressings Yes
Wound, Burn & Skin Treatments Yes
Wrist & Hand Braces Yes
X-ray fees Yes
Yoga Mat LOMN

*Eligible expenses in an HRA will vary depending on plan design.

This list and any comments or descriptions are for general illustration purposes only and are not intended as tax advice or Plan guidance. Employer Plan terms can and do vary. IRS regulations, rulings and procedures change. Representations of third-party Service Providers are not those of Benfinity or Beneshop. Please consult your Plan, your Plan Administrator, your tax advisor, or refer to applicable IRS guidance, including IRS Publication 502, to determine your expense eligibility.
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