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Health Care FSA Eligible Expenses



A Health Care FSA can cover a wide variety of expenses.

We've assembled a brief list of common expenses that are eligible for reimbursement; not all eligible items are on this list. Some expenses may be eligible if you meet certain criteria and other expenses may be limited by your Summary Plan Description. Please review your Summary Plan Description for specific exclusions.

Eligible Expenses

** Note that the reimbursement requirements for OTC medicines and drugs have changed as of January 1, 2011. Click here for further details.

If you or your spouse has a Health Savings Account (HSA), you and your spouse cannot make HSA contributions while covered under a general purpose FSA.  A general purpose FSA is an FSA that reimburses any 213(d) expense.  You and your spouse can make contributions to an HSA while covered by a limited FSA.  A limited FSA only reimburses dental, vision, and preventive care expenses and is a completely separate plan offered by your employer.  If you have questions, check with your employer to determine if they offer a limited FSA.

Limited FSA Eligible Expenses

Certain medical expenses are not reimbursable under a Health Care Flexible Spending Arrangement unless a licensed health care professional states that the service or product is medically necessary. Flex-Plan will need a Letter of Medical Necessity (LMN) for these items to be reimbursable. Please note that certain expenses may require additional documentation to be reimbursable. You can download a letter of medical necessity form from our participant forms page.

Documentation Required Items and Special Information

Some expenses are ineligible without exception. If you cannot find your expense in the lists above, it may be ineligible.

Remember, it is your responsibility to find out if a service or product is eligible before you sign up for the benefit.


IRS regulations prohibit you from purchasing an unusually large amount of a particular over-the-counter drug. It would be reasonable if you purchased two or three of the same item, but anything over three items would be considered stockpiling and will not be reimbursed.

health care fsa



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