Full Eligibility Lists
An eligible expense is defined as those expenses paid for care as described in Section 213 (d) of the Internal Revenue Code. Want the official breakdown? Check these resources:
- FSA Eligible Expenses - Full List
- FSA-Eligible Dental Services and Procedures
- HSA Eligible Expenses - Full List
- HRA Accounts: Eligible items vary by employer. Check with your HR team for your list.
Common Eligible Expenses
Medical & Health Services
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Doctor visits & copays
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Hospital Bills
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Physical therapy
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Chiropractic care
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Lab work, X-rays, diagnostic tests
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Vaccinations & flu shots
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Surgery (including organ transplants)
Vision & Eye Care
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Prescription Glasses
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Contact lenses & solution
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Eye exams
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LASIK (vision correction surgery)
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Sunglasses (prescription only)
Dental Care
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Exams and cleanings
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Fillings, crowns, and dentures
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Braces and orthodontics
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Tooth extractions
Prescription Medications
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Insulin and diabetes supplies
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Birth control
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Mental health medications
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Pan relievers (prescription)
Over-the-counter Items (No Prescription Needed)
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Cold and flu medicine
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Allergy relief (like Claritin, Zyrtec)
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Pan relievers (advil, Tylenol)
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First aid kits and bandages
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Menstrual care products
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Sleep aids
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Antacides & digestive aids
Special Medical Items
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Hearing aids and batteries
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Guide dogs and service animals
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Wheelchairs, crutches, walkers
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Breast pumps
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Oxygen and therapy equipment
What Doesn't Qualify
Some common items may feel health-related, but they are not covered:
- Vitamins or supplements (unless prescribed)
- Gym memberships or fitness classes
- Cosmetic surgery
- Toiletries (toothpaste, shampoo, chapstick)
- Maternity clothes
- Babysitting or child care
- Funerals or future medical care
- Non-prescription skincare or acne treatments
- Imported or illegal drugs
- Pet care (including vet bills)
- Sunscreen is eligible, but only if it has an SPF of 15 or higher and is labeled as “broad spectrum.”
Limited Purpose FSA (LPFSA) Items
If you have a Limited Purpose FSA, you can typically only use it for dental and vision expenses, such as:
- Eyeglasses or contacts
- Braces and orthodontics
- Eye exams
- Dental cleanings and procedures
- Contact lens solution
Need Proof for Reimbursement?
For most reimbursements you'll need to submit an itemized receipt or an Explanation of Benefits (EOB). These should include the provider name, service date, cost, and description of service.
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