Toenail Fungus Treatment: FSA Eligibility

Toenail Fungus Treatment: eligible with a Flexible Spending Account (FSA)

Toenail fungus treatment is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Toenail fungus treatment is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

What is toenail fungus and how is it treated?

Toenail fungus is a common condition that begins as a yellow spot underneath a finger or toenail, but can begin to spread as the fungal infection gets more advanced. This can manifest itself in thickened, crumbling nails, a distortion in shape and a darker, yellow color that affects the entire nail as it spreads. This condition can affect any type of nail, but is most common in toenails and older adults and is caused by a fungal infection, but can also be aided by poor blood circulation or a weakened immune system. 

How is toenail fungus treated? 

Toenail fungus infections are notoriously stubborn to treat and have the potential to reemerge after multiple rounds of treatment. These conditions are typically treated with oral antifungal drugs or topical medicines, but some doctors may prescribe using these methods in tandem depending on the severity of the condition. Additionally, in severe cases, surgery may be needed to remove the nail and apply medication to the affected area (Mayo Clinic).

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