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Examples of ELIGIBLE Expenses for HSAs:

DENTAL EXPENSES​

  • Dental X-Rays

  • Exams/Teeth Cleanings, Gum Treatments

  • Fillings, Crowns/Bridger

  • Oral Surgery, Extractions, Dentures

  • Orthodontia/Braces

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VISION EXPENSES

  • Contact Lenses, Contact Lens Solution and Cleaners

  • Eye Examinations

  • Eyeglasses, Reading Glasses, Rx Sunglasses

  • Laser Eye Surgeries, Radial Keratotomy/LASIK

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OUT-OF-POCKET UNCOVERED MEDICAL EXPENSES

  • Copays, Coinsurance, Deductible Expenses

  • Prescribed Medication (including insulin & birth control)

  • Prescribed Vitamins

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MEDICAL SUPPLIES AND SERVICES

  • Abdominal/Back Supports, Arch Supports/Orthopedic Insoles (not for general comfort) or Diabetic Shoes

  • Blood Pressure Monitors

  • Breast Pumps and Lactation Supplies

  • Compression Hosiery above 30 mmHg

  • ​Contraceptives, Norplant Insertion or Removal

  • Counseling (except for Marriage and Family)

  • Crutches, Wheelchair, Oxygen Equipment, Splints/Casts

  • Medic Alert Bracelet or Necklace

  • Hospital and Ambulance Services

  • Insulin Supplies, Syringes

  • Guide Dog (for visually/hearing impaired person)

  • Mastectomy Bras, Prosthesis

  • Medical Miles, Tolls, Parking, or Transportation Expenses (essential to medical care)

  • Pregnancy Tests, Pre-Natal Vitamins

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LAB EXAMS/TESTS

  • Blood Tests, Spinal Fluid Tests, Urine/Stool Analyses

  • Cardiographs

  • Diagnostic Fees, Laboratory Fees

  • X-Rays

  • At-Home COVID-19 Testing

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MEDICAL TREATMENTS/PROCEDURES

  • Acupuncture, Chiropractor

  • Hearing Exams, Hearing Aids and Batteries

  • Individual Behavioral or Mental Health

  • Infertility, In-Vitro Fertilization

  • Inpatient treatment for addiction to alcohol/drugs

  • Physical Therapy, Speech Therapy

  • Sterilization, Vasectomy and Vasectomy Reversals

  • Vaccination and Immunizations

  • Well Baby Care

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OVER THE COUNTER (OTC) PRODUCTS

  • Allery, Anti-itch, Antihistamine Medicines, Eye Drops

  • Digestive Tract Relief Medications, Antacids, Anti-Diarrhea Medications, Laxatives

  • Anti-Nausea Medications, Motion Sickness Pills

  • Cold and Flu Medications, Cough Drops & Syrups, Decongestants, Nasal Sinus Sprays, Sore Throat Spray, Sinus Medications, Throat Lozenges, Vapor Rubs

  • First Aid Creams, Diaper Rash Ointments, Calamine Lotion, Bug Bite Medication, War Remover Treatments, Special Ointments/Burn Ointments, Rubbing Alcohol

  • Menstrual Pain and Cramp Relief Medication

  • Menstrual Products, including Tampons and Pads

  • Pain Relievers, Analgesics, Aspirin, Fever Reducers, Muscle/Joint Pain Relievers

  • Smoking Cessation Products, Nicotine Gum/Patches

  • Sunscreen with at least SPF 15

  • Athletes Foot Creams and Powders, Cold Sore Remedies, Hemorrhoid Medications, Lice and Scabies Treatments, Yeast Infection Treatments

Examples of INELIGIBLE Expenses for HSAs:

  • Cancelled Appointment Fees

  • Drugs or treatments that are illegal under Federal law

  • Cosmetic Surgery, Treatments or Procedures

  • Toiletries or Sundry Items

  • Vitamins or Supplements for General Health

  • Food and meals that replace regular nutritional requirements

  • Household cleaning products, including surface cleaning wipes

  • Face shields, neck gaiters, or face masks with vents/valves

HSA account holders are responsible for retaining all receipts and other documentation necessary to prove that the expense is for medical care under relevant sections of the Internal Revenue Code. If you have concerns about whether an expense is considered by the IRS to be for medical care, reach out to your tax advisor.​

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NOTE: This list is NOT meant to be all inclusive. Other expenses not listed may also qualify. Please contact us if you have any questions.

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