Health Savings Accounts - Eligible Qualified Medical Expenses

HSA Eligible Medical Expenses may include, but are not limited to:
  • Acupuncture
  • Alcohol and drug rehabilitation
  • Ambulance
  • Anesthetist
  • Artificial limbs and teeth
  • Birth control pills
  • Certain corrective surgery
  • Chiropractor
  • Christian Science practitioners
  • Dental care
  • Eye exam, eyeglasses, contact lenses, contact lens solutions and enzyme
  • Gynecologist
  • Hearing aids and batteries
  • Hospital and skilled nursing facility
  • Insulin
  • Laboratory fees
  • Laser Eye Surgery
  • Lip-reading lessons
  • Massage for Medical Reasons*
  • Medical Examinations
  • Midwife
  • Nursing care
  • Obstetrics
  • Optometrist
  • Orthodontia expenses as treatment is provided**
  • Osteopath
  • Outpatient care
  • Pediatrician
  • Physical therapy provided by licensed therapist
  • Physician
  • Podiatrist
  • Practical nurse
  • Prescription drugs and some over the counter medicines
  • Psychiatrist
  • Psychologist
  • Rental or purchase of medical equipment
  • Stop-smoking program
  • Supportive or corrective devices
  • Surgery
  • Transportation expenses relative to illness based on IRS standard mileage allowance
  • Weight loss program for obesity*

* You will be required to submit a Dr’s statement outlining the medical necessity in order to claim these types of expenses.
**Reimbursements will be limited to monthly payments.

Examples of Over-The-Counter eligible expenses under an HSA may include, but are not limited to:
  • Allergy Medicine
  • Antacids
  • Bactine
  • Bandaids/Bandages
  • Anti-Diarrhea Medicine
  • Bug Bite Medication
  • Calamine Lotion
  • Carpal Tunnel Wrist Supports
  • Cold Medicines
  • Cold/Hot Packs for Injuries
  • Condoms
  • Contact Lens Cleaning Solution
  • Cough Drops
  • Diaper Rash Ointments
  • First Aid Kits
  • First Aid Kits
  • Hemorrhoid Medication
  • Incontinence Supplies
  • Laxatives
  • Liquid Adhesive for Small Cuts
  • Menstrual Cycle Products for Pain
  • and Cramp Relief
  • Motion Sickness Pills
  • Nasal Sinus Sprays
  • Nasal Strips
  • Nicotine Gum or Patches for Stop-Smoking Purposes
  • Pain Reliever
  • Pedialyte for Ill Child’s Dehydration
  • Pregnancy Test Kits
  • Products for Muscle Pain or Joint Pain, i.e., BenGay, Tiger Balm, etc.
  • Reading Glasses
  • Rubbing Alcohol
  • Sinus Medications
  • Sleeping Aids used to treat occasional insomnia
  • Special Ointment or Cream for Sunburn
  • Spermicidal Foam
  • Thermometers (ear or mouth)
  • Throat Lozenges
  • Visine and other such eye products
  • Wart remover treatments
Examples of Dual Purpose – must be accompanied be a licensed medical practitioner’s note stating specific medical condition:
  • Acne treatment (Retin A) – only to treat a specific medical condition such as acne vulgaris
  • Dietary Supplements or Herbal
  • Medicines to treat a specific medical condition in narrow circumstances
  • Fiber Supplements under narrow circumstances
  • Glucosamine/Chondroitin for arthritis or other medical condition
  • Orthopedic Shoes and Inserts (for orthopedic shoes, you can only be reimbursed for the extra cost over buying non-orthopedic shoes)
  • OTC Hormone Therapy and treatment for menopause to treat symptoms such as hot flashes, night sweats, etc.
  • Pills for persons who are Lactose Intolerant Prenatal Vitamins
  • St John’s Wort for Depression
  • Sunscreen
  • Weight-Loss Drugs to treat a specific disease (including obesity)
Also, the expense for coverage under any of the following constitutes an HSA qualified medical expense:
  • COBRA coverage;
  • A qualified long-term care insurance contract;
  • Any health plan maintained while the individual is receiving unemployment compensation under federal or state law; or,
  • For those age 65 or over (whether or not they are entitled to Medicare), any deductible health insurance (e.g., retiree medial coverage) other than a Medicare supplemental policy.

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