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Qualifying Expenses FAQs

Eligible
Acupuncture
Alcoholism treatment
Allergy medicine (Examples: Alavert, Claritin)
Ambulance
Analgesics (Examples: Advil, Aspirin, Tylenol)
Anesthesia
Arthritis gloves
Artificial limbs
Artificial teeth
Aspirin
Asthma medicines, treatments, and medicine delivery devices
Bactine
Bandages, elastic (Example: Ace)
Bandages, for torn or injured skin (Examples: Band-Aid, Curad)
Blood-pressure monitoring devices
Blood-sugar test kits and test strips
Body scans
Braille books and magazines
Breast pumps
Breast reconstruction surgery following mastectomy
Breastfeeding classes
Breathalyzer
Calamine lotion
Cancer screenings
Canes
Carpal tunnel wrist supports
Chelation therapy
Chiropractors
Cholesterol test kits
Circumcision
COBRA premiums (for HSA only)
Coinsurance amounts
Cold medicine (Examples: Sudafed, Vicks)
Cold sore medicine (Examples: Abreva, Releev)
Colonoscopies
Condoms
Constipation medicine
Contact lenses, cases, materials, and equipment
Copayments
Corn and callus remover
Cough suppressants (Examples: Pediacare, Robitussin, cough drops)
COVID-19 tests
COVID-19 vaccines
COVID-19-related personal protective equipment (PPE)
CPAP (continuous positive airway pressure) devices
Crutches
Decongestants (Examples: Dimetapp, Sudafed)
Dental aligners
Dental bridge
Dental implants
Dental sealants
Dental services and procedures
Dentures, denture adhesives, and denture cleaners
Diabetic supplies
Diagnostic items/services
Diaper rash ointments and creams (Examples: Balmex, Desitin)
Diarrhea medicine (Examples: Imodium, Kaopectate)
Drug addiction treatment
Drug overdose, treatment of (Example: Naxolone)
Durable medical equipment
Ear drops and wax removal products (Examples: Debrox, Murine)
Eczema treatments
Expectorants (Examples: Mucinex, Triaminic)
Eye drops (Example: Opcon-A, Visine)
Eye examinations, eyeglasses, equipment, and materials
Eyeglass repair kits
Fertility monitors
Fever-reducing medications (Examples: Aspirin, Motrin, Tylenol)
First aid cream
First aid kits
Flu shots
Fluoridation services
Gauze pads
Gender affirmation surgery and treatment
Glucose-monitoring equipment
Guide dog
Headache medications (Examples: Advil, Aspirin, Tylenol)
Hearing aids
Hemorrhoid creams or ointments, medicated (Example: Preparation H)
HMO premiums (for HSA only)
Hospital services
Immunizations
Incontinence supplies
Insect-bite creams and ointments (Examples: Benadryl, Cortaid)
Insulin
Insurance premiums (for HSA only)
Invisalign
Laboratory fees
Lactation consultant
Lactose intolerance tablets (Example: Lactaid)
Laser eye surgery, Lasik
Laxatives (Examples: Ex-Lax, Miralax)
Lens wipes
Lice treatment
Lip products, medicated
Liquid adhesive for small cuts
Lodging at a hospital or similar institution
Long-term care insurance premiums (for HSA only)
Long-term care services (medical services portion)
Mastectomy-related special bras
Medical alert bracelet or necklace
Medical information plan charges
Medical monitoring and testing devices
Medical records charges
Menstrual care products
Menstrual pain relievers (Examples: Midol, Pamprin)
Midwife
Motion sickness pills (Examples: Bonine, Dramamine)
Motion sickness wristbands
Nicotine gum or patches (Examples: Nicoderm, Nicorette)
Obstetrical expenses
Occlusal guards to prevent teeth grinding
Online or telephone consultation, medical practitioner’s fee for
Operations
Optometrist
Organ donors
Orthodontia
Osteopath fees
Ovulation monitor
Oximeter
Oxygen
Pain relievers (Examples: Advil, Aspirin, Tylenol)
Payment processing fees for medical expenses
Physical exams
Pregnancy test kits
Preventive care screenings
Prosthesis
Psychiatric care
Radial keratotomy
Reading glasses
Rubbing alcohol
Sales taxes on medical items and services
Screening tests
Shipping and handling fees
Sinus medications (Examples: Sinutab, Sudafed)
Sleep-deprivation treatment
Smoking-cessation medications
Smoking-cessation programs
Speech therapy
Spermicides
Sterilization procedures
Stop-smoking program
Sunburn creams and ointments, medicated (Example: Solarcaine)
Sunscreen (excluding cosmetics or similar products containing sunscreen)
Supplies to treat medical condition
Support braces
Surgery
Taxes on medical items and services
Telemedicine, medical practitioner’s fee for
Telephone equipment for persons with hearing or speech disabilities
Television for persons with hearing disabilities
Thermometers
Throat lozenges (Examples: Cepacol,Chloraseptic)
Toothache and teething pain relievers (Examples: Anbesol, Orajel)
Transplants
Transportation (travel) expenses for person to receive medical care
Tuition evidencing separate breakdown for medical expenses
Usual and customary charges, excess
Vaccines
Vasectomy
Vasectomy reversal
Viagra
Vision correction procedures
Walkers
Walking aids (e.g., canes, crutches, rollators, and walkers)
Wart remover treatments (Examples: Compound W, FreezeAway)
Wheelchair
Wound care
X-ray fees
Yeast infection medications (Examples: Gyne-Lotrimin, Monistat)
“Morning-after” contraceptive pills (when legally dispensed and administered)
Birth-control pills (when legally dispensed and administered)
Contraceptives (when legally dispensed and administered)
Norplant insertion or removal (when legally dispensed and administered)
Eligible with Letter of Medical Necessity
Botox
Adaptive equipment
Air conditioner
Air purifier
Allergy treatment products other than medicine (e.g., household improvements to treat allergies)
Alternative healers
Applications, electronic
Automobile modifications, adaptive
Batteries
Behavioral modification programs
Birthing classes
Blood storage
Books, health-related
Calcium supplements
Capital expenses
Car modifications
Cayenne pepper
Childbirth classes
Chinese herbal practitioners
Chondroitin
Christian Science practitioners
Classes, health-related
Club dues and fees
Cold/hot packs
Compression hose
Concierge fees
Cord blood storage
Counseling
Crowns, dental
Dancing lessons
Deductibles
Dermatologist
Diabetic socks
Diapers or diaper service
Dietary supplements
Disabled dependent care expenses
DNA collection and storage
Doula
Drugs and medicines
Drug-testing kits for home use
Dyslexia treatment
Ear plugs
Egg donor fees
Eggs and embryos, storage fees
Elevator
Exercise equipment or programs
Fertility treatments
Fiber supplements (Examples: Citrucel, Metamucil)
Fitness programs
Fluoride rinses
Food thickeners
Foods
Foreign countries, medical care received in
Gambling problem, treatment for
Genetic testing and counseling
Glucosamine
Hand sanitizer or hand-sanitizing wipes (Examples: Germ-X, Purell)
Health club fees
Health institute fees
Hemp or cannabidiol (CBD) products
Herbs
Holistic or natural healers, dietary substitutes, and drugs and medicines
Home health care
Home improvements (such as exit ramps, widening doorways, etc.)
Hormone replacement therapy (HRT)
Humidifier
Hydrotherapy
Hypnosis
Inclinator
Infant formula
Infertility treatments
Insect repellent (Examples: Cutter, OFF!)
IVF (in vitro fertilization)
Lamaze classes
Language training
Latex gloves
Lead-based paint removal
Learning disability, instructional fees
Legal fees in connection with fertility treatments
Legal fees, general
Lodging not at a hospital or similar institution
Lodging of a companion
Masks or face shields, reusable or disposable
Massage therapy
Meals at a hospital or similar institution
Medical conference admission, transportation, meals, etc.
Medicines and drugs
Mineral supplements
Multivitamins (Example: One-a-Day)
Nasal strips or sprays
Naturopathic healers
Nonprescription drugs and medicines
Nursing services provided by a nurse or other attendant
Nutritional supplements
Nutritionist’s professional expenses
Occupational therapy
Omega-3 supplements
Orthopedic shoe inserts
Orthopedic shoes
Over-the-counter (OTC) drugs
Personal trainer fees
Petroleum jelly
Physical therapy
Prenatal vitamins
Prescription drugs
Probiotics
Propecia
Psychoanalysis
Psychologist
Recliner chairs
Rehydration solution (Example: Pedialyte)
Rental cars
Rental fee, for equipment
Retin-A
Rogaine
Rubdowns
Schools and education, residential
Schools and education, special
Scooter, electric
Service animal, to assist individual with mental health disabilities
Special foods
Special home, for person with a mental health disability
Sperm, storage fees
St. John’s Wort
Stem cell, harvesting and/or storage of
Student health fee
Sunglasses
Sun-protective (SPF) clothing
Sunscreen, cosmetics or similar products with
Swimming lessons
Swimming pool maintenance
Therapy
Transportation (travel) expenses of someone other than the person receiving medical care
Transportation (travel) expenses to and from a medical conference
Treadmill
Tuition for special-needs program
Ultrasound, prenatal
Umbilical cord blood storage
Varicose veins, treatment of
Veterinary fees
Vitamins
Weight-loss programs and/or drugs prescribed to induce weight-loss
Wigs
Wipes and cleansers, for personal (e.g., perineal) use (Examples: Dude Wipes, Cottonelle)
Ineligible Items
Appearance improvements
Babysitting and child care
Breast milk shipping and delivery
Car seats
Child or newborn care classes
Cologne
Controlled substances in violation of federal law
Cosmetic procedures
Cosmetics
CPR classes
Dental floss
Deodorant
Dependent care expenses
Diet foods
Direct primary care arrangements, payments for
Ear piercing
Electrolysis or hair removal
Face creams
Face lifts
Finance charges
Founder’s fee
Funeral expenses
Future services, payments for
Hair colorants
Hair removal and transplants
Hand lotion
Health care sharing ministries, payments for
Household help
Illegal operations, substances, and treatments
Laser hair removal
Late fees (e.g., for late payment of bills for medical services)
Lipsticks
Lodging while attending a medical conference
Makeup
Marijuana or other controlled substances in violation of federal law
Marriage counseling
Maternity clothes
Mattresses
Meals not at a hospital or similar institution
Meals of a companion
Meals while attending a medical conference
Missed appointment fees
Moisturizers
Mouthwash
Nail polish
Perfume
Permanent waves
Prepayments for medical expenses
Prescription drug discount programs
Safety glasses
Shampoos
Shaving cream or lotion
Skin moisturizers
Soaps
Suntan lotion without sunscreen
Surrogate or gestational carrier expenses
Tanning salons and equipment
Teeth whitening
Toothbrushes
Toothpaste
Transportation costs of individuals with disabilities commuting to and from work
Veneers
Vision discount programs
Wipes, for cleaning and disinfecting external (i.e., non-bodily) surfaces (Examples: Clorox, Lysol)
YMCA day camp
Prescription drugs and medicines obtained from other countries (unless importation is legal)
Nursing services for a baby

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*Banking services are provided by Coastal Community Bank, Member FDIC.  The Zenda card is issued by Coastal Community Bank pursuant to a license from Visa U.S.A. Inc.  Zenda spending accounts are FDIC insured up to $250,000 per depositor through Coastal Community Bank, Member FDIC.  Privacy notice for Coastal Community Bank can be found here.

Investment accounts are not bank guaranteed and not FDIC insured and may lose value.