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HSA Eligible Medical Expenses

These 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.

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

  • 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.