Expenses Not Incurred During the Coverage Period: FSA Eligibility

Expenses not incurred during the coverage period of a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA), a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA) are not eligible for reimbursement.

When are expenses eligible for reimbursement?

Consumer-directed healthcare plan expenses eligible for reimbursement must be incurred during the coverage year and while you are an active participant in the plan. Other things to keep in mind are that only employees participating in a consumer-direct healthcare plan can submit claims for reimbursement. Claims for reimbursement can be submitted at any time during the coverage period. Some employers have a designated, specific period after the coverage period ends called a “Run-out period” during which time claims may also be made (Ameriflex). This period is described in an employer’s Summary Plan Description (SPD), and varies per employer.

Eligibility Table

Flexible Spending Account (FSA) Limited Care FSA Dependent Care FSA Health Savings Account (HSA) Health Reimbursement Account (HRA)


Eligible with Rx

Eligible with LMN

Not Eligible