What's covered under FSA?

Asked by: Lea Leuschke IV | Last update: July 28, 2023

Score: 4.6/5 (70 votes)

The IRS determines which expenses are eligible for reimbursement. Eligible expenses include health plan co-payments, dental work and orthodontia, eyeglasses and contact lenses, and prescriptions. This type of FSA is offered by most employers. It covers medical, dental, vision, and pharmacy expenses.

What doesn't an FSA cover?

Eligible & Ineligible Expenses

These items include antacids, allergy medicine, pain relievers, cold medicine, feminine products and more. Any item that is purchased to maintain good health and not to treat or alleviate an illness or injury is not reimbursable.

What is covered on FSA card?

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. Reimbursements for insulin are allowed without a prescription.

What items are FSA eligible 2021?

Here's a list of Health FSA-eligible items you can buy without a prescription:

Acne light therapy.
Athletic and orthopedic braces and supports.
Breast pumps and accessories.
Blood glucose monitors and testing strips.
Blood pressure monitors.
Condoms.
Contact lenses and supplies.
Denture cream and cleansers.

Are toothbrushes FSA eligible?

General health items such as toothbrushes are not eligible for reimbursement from a health FSA because they would be used even if there is no recommendation from a dentist. Expenses are eligible for reimbursement based on the date of service, not the date of payment or the date the bill is received.

What is an FSA (Flexible Spending Account?)

45 related questions found

Is toilet paper FSA eligible?

Feminine hygiene products are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or health reimbursement arrangement (HRA).

Can you buy toothpaste with FSA?

Dental procedures.

But general tooth-health products, such as toothbrushes, toothpaste and floss, are not usually not eligible to purchase with FSA funds.

Can you buy food with FSA card?

Food 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). Is food eligible reimbursement under any circumstance?

Are gym memberships FSA eligible?

Generally, gym and health club memberships, along with exercise classes (like Pilates or spinning), cannot be covered by FSA funds.

Can I buy shoes with FSA?

Yes, orthopedic and therapeutic footwear products qualify as a medical expense through an HSA or FSA and can be reimbursed through your provider accounts. To be reimbursed, you will need to obtain a Letter of Medical Necessity from your qualified health care provided.

Can I buy a treadmill with my FSA?

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 a heating pad covered by FSA?

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

Can I use FSA for Peloton membership?

Treadmills, gym memberships, and peloton bikes are not eligible HSA or FSA expenses. However, if you have a Letter of Medical Necessity from your doctor that requires you to exercise, you might be able to use HSA or FSA funds for those.

Can you use FSA to buy sunscreen?

Sun Protection Products

Sunscreen with broad-spectrum UVA and UVB protection and an SPF of 15 or higher is FSA-eligible. This applies to a wide variety of products that you probably use every day, including sunscreen sprays, waterproof sunscreen, sunscreen for children and babies, even SPF lip balm.

Is hand soap FSA eligible?

Soap is considered a general use product and not primarily use for the treatment, prevention or diagnosis of a medical condition and therefore is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending ...

Is body wash FSA eligible?

Medicated body or face wash is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA).

Can I buy deodorant with FSA?

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).

Are humidifiers FSA eligible?

Humidifiers are eligible for reimbursement with a Letter of Medical Necessity (LMN) for flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA).

Is gas FSA eligible?

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).

Can you buy Tylenol with FSA?

Acetaminophen, the primary ingredient found in Tylenol, is an eligible OTC item. Acetaminophen reimbursement is eligible with an FSA account, HSA or HRA.

Does FSA cover electric toothbrushes?

Electric 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.

Is cold sore medicine covered by FSA?

FSA and HSA Frequently Asked Questions

Can you use FSA funds for cold sore products? Yes, you can purchase Abreva^® Cream products with your FSA account funds.

Is a mattress FSA eligible?

Mattress: FSA Eligibility. Mattresses are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), dependent care flexible spending account (DCFSA) or a limited-purpose flexible spending account (LPFSA).