HSA Eligible Medical Expenses

These may include, but are not limited to:

• Acupuncture

• Alcohol and drug rehabilitation

• Ambulance

• Anesthetist

• Artificial limbs and teeth

• Birth control pills

• Certain corrective surgery

• Chiropractor

• Christian Science practitioners

• Dental care

• Eye exam, eyeglasses, contact lenses, contact lens solutions and enzyme

• Gynecologist

• Hearing aids and batteries

• Hospital and skilled nursing facility

• Insulin

• Laboratory fees

• Laser Eye Surgery

• Lip-reading lessons

• Massage for Medical Reasons*

• Medical Examinations

• Midwife

• Nursing care

• Obstetrics

• Optometrist

• Orthodontia expenses as treatment is provided

• Osteopath

• Outpatient care

• Pediatrician

• Physical therapy provided by licensed therapist

• Physician

• Podiatrist

• Practical nurse

• Prescription drugs and some over the counter medicines

• Psychiatrist

• Psychologist

• Rental or purchase of medical equipment

• Stop-smoking program

• Supportive or corrective devices

• Surgery

• Transportation expenses relative to illness based on IRS standard mileage allowance

• Weight loss program for obesity*

*You will be required to submit a DR’s statement outlining the medical necessity in order to claim these types of expenses.

Examples of Over-The-Counter eligible expenses under an HSA may include, but are not limited to:

• Allergy Medicine

• Antacids

• Bactine

• Bandaids/Bandages

• Anti-Diarrhea Medicine

• Bug Bite Medication

• Calamine Lotion

• Carpal Tunnel Wrist Supports

• Cold Medicines

• Cold/Hot Packs for Injuries

• Condoms

• Contact Lens Cleaning Solution

• Cough Drops

• Diaper Rash Ointments

• First Aid Kits

• Hemorrhoid Medication

• Incontinence Supplies

• Laxatives

• Liquid Adhesive for Small Cuts

• Menstrual Cycle Products for Pain

• and Cramp Relief

• Motion Sickness Pills

• Nasal Sinus Sprays

• Nasal Strips

• Nicotine Gum or Patches for Stop-Smoking Purposes

• Pain Reliever

• Pedialyte for Ill Child’s Dehydration

• Pregnancy Test Kits

• Products for Muscle Pain or Joint Pain, i.e., BenGay, Tiger Balm, etc.

• Reading Glasses

• Rubbing Alcohol

• Sinus Medications

• Sleeping Aids used to treat occasional insomnia

• Special Ointment or Cream for Sunburn

• Spermicidal Foam

• Thermometers (ear or mouth)

• Throat Lozenges

• Visine and other such eye products

• Wart remover treatments

Examples of Dual Purpose – must be accompanied be a licensed medical practitioner’s note stating specific medical condition:

• Acne treatment (Retin A) – only to treat a specific medical condition such as acne vulgaris

• Dietary Supplements or Herbal

• Medicines to treat a specific medical condition in narrow circumstances

• Fiber Supplements under narrow circumstances

• Glucosamine/Chondroitin for arthritis or other medical condition

• Orthopedic Shoes and Inserts (for orthopedic shoes, you can only be reimbursed for the extra cost over buying non-orthopedic shoes)

• OTC Hormone Therapy and treatment for menopause to treat symptoms such as hot flashes, night sweats, etc.

• Pills for persons who are Lactose Intolerant Prenatal Vitamins

• St John’s Wort for Depression

• Sunscreen

• Weight-Loss Drugs to treat a specific disease (including obesity)

Also, the expense for coverage under any of the following constitutes an HSA qualified medical expense:

• COBRA coverage;

• A qualified long-term care insurance contract;

• Any health plan maintained while the individual is receiving unemployment compensation under federal or state law; or,

• For those age 65 or over (whether or not they are entitled to Medicare), any deductible health insurance (e.g., retiree medial coverage) other than a Medicare supplemental policy.