Can I use my HSA to pay for doctor visits?

Asked by: Queen Baumbach  |  Last update: February 5, 2023
Score: 4.2/5 (35 votes)

Pay for more than just doctor visits
You can use your HSA to pay for various qualified medical, dental and vision expenses. The money is yours to keep, even if you change jobs or health plans.

Can I use HSA card for doctor visit?

You can use your HSA Bank Health Benefit Debit Card to pay for doctor visits at the time of the appointment or for qualified items at a pharmacy or other retailer as long as it is for a qualified medical expense.

What are three things you could use your HSA to pay for?

In addition to doctor bills, hospital stays and prescription drugs, HSAs can also pay for the following items, which might surprise you:
  • Over-the-counter medications.
  • Menstrual products.
  • Alternative treatments.
  • Travel for health care.
  • Dental and vision care.
  • Guide dogs.
  • Some insurance premiums.
  • Medicare costs.

What can you not pay with HSA?

Other items that aren't eligible include maternity clothes, funeral costs, child care for healthy babies, toiletries, over-the-counter medicine, swimming lessons and elective cosmetic procedures. You also usually can't use HSA money to pay for health insurance premiums unless you meet certain criteria.

What procedures can I use my HSA for?

The HSA covers tests and copays for doctor visits, but it can be used for a lot more, including the following:
  • Cover Dental and Vision for the Whole Family. ...
  • Pay for Transportation. ...
  • Make You Money. ...
  • Pay for Prescriptions. ...
  • Cover Nonmedical Therapeutic Charges.

Should I Pay for Medical Expenses Now or Later With My HSA?

22 related questions found

Can I buy groceries with my HSA card?

No, you can't use your Flexible Spending Account (FSA) or Health Savings Account (HSA) for straight food purchases like meat, produce and dairy. But you can use them for some nutrition-related products and services. To review, tax-advantaged accounts have regulatory restrictions on eligible products and services.

Can I pay for gym membership with HSA?

Can I use my HSA for a gym membership? Typically no. Unless you have a letter from your doctor stating that the membership is necessary to treat an injury or underlying health condition, such as obesity, a gym membership isn't a qualifying medical expense.

Is toilet paper HSA eligible?

On the counterpoint, let's take a quick look at some of the expenses that don't qualify for payment out of your HSA, even during the coronavirus pandemic: Babysitting and childcare costs for a normal, healthy child. Medicines and drugs from other countries. Personal care items like toilet paper and soap.

Can I buy toothpaste with HSA?

Toothpaste is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).

Can I buy vitamins with HSA?

Generally, weight-loss supplements, nutritional supplements, and vitamins are used for general health and are not qualified HSA expenses. HSA owners usually cannot include the cost of diet food or beverages in medical expenses because these substitute for what is normally consumed to satisfy nutritional needs.

Do you have to show receipts for HSA?

Recordkeeping Requirements

Essentially, any money that comes out of your HSA must have a receipt showing it was for an eligible medical expense. You may face a 20% penalty on any distribution that you cannot prove was for a qualified medical expense.

Do I need to submit receipts for HSA?

Here's the thing to keep in mind. The only reason you actually need documentation of your receipt (or documentation of your qualified HSA-reimbursable medical expense) is if you need to prove it to the IRS, which would only happen if the IRS audited your tax return.

Can you use your HSA to pay for vet bills?

Service animals

Thankfully, service animals fall under the category of qualified medical expenses, and you can pay for them with your HSA funds. You can also use your HSA to cover any veterinary care your service animal may need, as well as their food.

Can you use HSA for gas?

Fuel is eligible for transportation to and from medical care, up to the allowed mileage rate. Fuel, gasoline for medical care reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).

Do I need a PIN for my HSA card?

Cards must be run as 'credit' (card may be declined if run as debit) and no personal identification number (PIN) is required. Once activated, use it like a regular credit card to pay for your plan-allowed medical expenses (for HSA and FSA plans, see our article on qualified medical expenses).

Can I withdraw money from my HSA?

Yes. You can withdraw funds from your HSA anytime. But keep in mind that if you use HSA funds for any reason other than to pay for a qualified medical expense, those funds will be taxed as ordinary income, and the IRS will impose a 20% penalty.

Can you buy shampoo with HSA card?

While some exceptions may vary, shampoo is generally not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).

Can I buy a treadmill with my HSA?

A treadmill can be eligible for reimbursement with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), health savings account (HSA) and health reimbursement arrangement (HRA).

Is Tylenol HSA eligible?

There are two common types of over-the-counter pain medications: acetaminophen and nonsteroidal anti-inflammatory drugs (NSAIDs), both of which are now among the eligible expenses available from an HSA and FSA.

Can I use my HSA for massage?

Massages with a doctor's note of necessity

In a case like this, accountholders can use their HSA to pay for the massage. For you to use your HSA to pay for the massage, you must provide a letter of medical necessity from your doctor that therapeutic message is really needed.

Can I use my HSA to whiten my teeth?

Teeth whitening is not eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), health reimbursement arrangements (HRA), limited-purpose flexible spending accounts (LPFSA) or a dependent care flexible spending accounts (DCFSA).

Can I buy a Fitbit with my HSA?

A fitness tracker device, such as a Fitbit, is only eligible for reimbursement with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).

Is ibuprofen HSA eligible?

Using My HSA to Purchase Advil Products

All OTC Advil products are eligible for use with your HSA funds at this time. Eligible products include Advil coated tablets, Advil Liqui-Gels and more.

Can I transfer money from my HSA to my bank account?

Online Transfer – On HSA Bank's Member Website, you can transfer funds from your HSA to an external bank account, such as a personal checking or savings account. There is a daily transfer limit of $2,500 to safeguard against fraudulent activity.

Can you buy deodorant with HSA?

Deodorant reimbursement is not eligible with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).