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
*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.