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