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.
** 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.