What can FSA funds be used to pay for?

Asked by: Dr. Braxton Abernathy  |  Last update: December 8, 2023
Score: 4.1/5 (68 votes)

An arrangement through your employer that lets you pay for many out-of-pocket medical expenses with tax-free dollars. Allowed expenses include insurance copayments and deductibles, qualified prescription drugs, insulin, and medical devices.

What can I use my FSA money for?

Facts about Flexible Spending Accounts (FSA)
  • You can spend FSA funds to pay deductibles and copayments, but not for insurance premiums.
  • You can spend FSA funds on prescription medications, as well as over-the-counter medicines with a doctor's prescription.

What can you not use FSA for?

This is a partial list of health care expenses that are NOT eligible for reimbursement from the Health Care Spending Account:
  • Any illegal treatment.
  • Baby-sitting fees to enable you to visit a doctor.
  • Cosmetic surgery improving the patient's appearance.
  • Dental bleaching or any other teeth whitening**

Can I buy toothbrush with FSA?

Toothbrushes are not eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), health reimbursement accounts (HRA), dependent care flexible spending accounts and limited-purpose flexible spending accounts (LPFSA) because they are general health products.

Does FSA cover toilet paper?

Toiletries are 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). What are toiletries?

Don't Forfeit Your FSA Money - 5 Creative Ways to Use it By The End Of The Year!

18 related questions found

Can I buy Kleenex with my FSA card?

Facial tissues are 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) as they are considered a cosmetic product.

Can I buy vitamins with FSA?

FSA and HSAs won't cover a vitamin supplement geared toward general health and wellness. A vitamin is eligible for coverage by an FSA or HSA only if that vitamin has been recommended by a medical professional for the treatment or prevention of a specific disease or condition.

Are protein shakes FSA eligible?

Protein shakes are considered nutritional supplements, and unfortunately you cannot use your flexible spending account (FSA) towards these. We get many questions about FSA eligibility at FSAstore.com, as people often wonder why protein powder is not considered an FSA eligible expense.

Is deodorant FSA eligible?

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).

Does a Waterpik count for FSA?

Eligible Medical Expenses Include Dental Issues

For example, if a dentist diagnoses gingivitis and recommends a Waterpik® Water Flosser or Waterpik® Sonic-Fusion®, under IRS guidelines it is an eligible expense. Individual plans can vary, so it's best to verify eligibility with your provider.

Are massages FSA eligible?

Did you know? Massage Therapy is eligible for reimbursement through most FSA's and HSA's. Some do require a Letter of Medical Necessity from your doctor, but this means you can potentially be reimbursed from your insurance for your massage from us! You just need a note from your primary care physician.

Can you use FSA for groceries?

Flexible Spending Account for qualified medical expenses. That means items such as groceries and clothing are unfortunately not FSA eligible… The IRS specifically defines which expenses would qualify for FSA reimbursement.

Can I use FSA card for gas?

Fuel - Gas costs for travel to and from a medical care facility are eligible for reimbursement, however you'll need to keep a mileage log and provide receipts for your gas purchase when you submit a claim.

Can I use FSA for glasses?

Yes! You can definitely use funds from your flexible spending account (FSA) or health savings account (HSA) to purchase prescription glasses. (FSAs and HSAs can be used for many other vision- and eye health-related expenses, too, but we'll discuss that more in a bit.)

Can I cash out FSA funds?

Unfortunately, FSA cards cannot be used to withdraw FSA funds from an ATM. These cards can only be used on qualifying medical products and services.

Can I use FSA at Costco?

Costco accepts a limited number of cards at the main checkout lanes, but they'll let you pay for eligible items with your HSA/FSA card at the Pharmacy or Optical counters. So to use your FSA or HSA cards at Costco, just bypass the regular checkout lines and visit the Pharmacy or Optical department instead.

Can I use my FSA for feminine hygiene products?

You can pay for OTC feminine hygiene products, such as yeast infection treatments, using your FSA/HSA. You might also see these called vaginal antifungal care products. You can get them in different strength levels.

Is ibuprofen FSA eligible?

Analgesics (painkillers)

Analgesics (e.g. Advil, Aspirin, Tylenol) are eligible for reimbursement.

Are teeth whitening strips FSA eligible?

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).

How do I get my gym covered by FSA?

For a gym membership to even be considered for reimbursement under a Health Care FSA, you must have:
  1. Approved Letter of Medical Necessity (PDF) on file for a medical condition that requires exercise at a gym.
  2. Individual gym membership contract on file (multi-person contracts will not be considered)

Is melatonin FSA eligible?

Melatonin: FSA Eligibility

Melatonin may be eligible with a Letter of Medical Necessity for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA).

Does Target accept FSA cards?

Target stores

Third-party credit cards: Visa®, Mastercard®, Discover®/Novus®, American Express®, credit cards from foreign banks (JCB Japanese Credit Bureau), Diner's Club International, and FSA/HSA cards are redeemable for FSA/HSA eligible items.

Can you use FSA for probiotics?

How are probiotics eligible for reimbursement? If a medical professional recommends probiotic supplements as a means of treating a specific medical condition, a Letter of Medical Necessity (LMN) is required to reimburse the amount under an FSA, HSA, or HRA.

Can I use my FSA for sunscreen?

Sunscreen is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA). They are not eligible for reimbursement with dependent care flexible spending accounts and limited-purpose flexible spending accounts (LPFSA).

Is Benadryl FSA-eligible?

Antihistamines are over-the-counter (OTC) medicines that are eligible for reimbursement with an FSA account, HSA or HRA. Artificial limb reimbursement is eligible with an FSA account, HSA or HRA. E Note: The IRS defines which medical expenses are eligible under a tax-deferred account.