FSA Eligible Products & Services

Select one of the following categories below to browse or search FSA eligible products, services, and expenses.

Eligible OTC Expenses

Thousands of over-the-counter (OTC) products are FSA eligible and can be purchased using your FSA Card. However, as of January 2011, certain OTC medicines (specifically those with an active medical ingredient) will require a doctor's prescription to be eligible. Use this list to easily determine which products are eligible either with or without a prescription.

If you don't have an FSA card, simply use your usual form of payment and your FSA administrator will reimburse you for the items through the manual claim process.

FSA Eligible Medical Items

That DO NOT require a Doctor's Prescription

FSA eligible products designated with this symbol can be purchased with an FSA card and do not require a prescription to be reimbursed by an FSA.

Shop FSA-Eligible Items

    FSA Eligible Medical Items

    That DO require a Doctor's Prescription

    FSA eligible with prescription products designated with this symbol require a prescription to be reimbursed by an FSA. You can now use your FSA card to purchase these items through FSAstore.com's over-the-counter prescription process.

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      Eligible Products & Services List

      Note: The IRS defines which medical expenses are eligible under a tax-deferred account. However, employers may only allow some of these expenses with your plan. It's important to always check with your benefits administrator to determine which expenses are eligible before you shop.

      Expense Type

      Details

      Baby Bottles

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

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      Baby Breathing Monitor

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

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      Baby Formula

      Baby formula is not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA). Baby formula is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA) and health reimbursement arrangements (HRA) with a Letter of Medical Necessity (LMN) from a doctor stating that the formula is necessary to treat a medical condition.

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      Baby Oil

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

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      Baby Powder

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

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      Baby Rash Ointment and Cream

      Baby rash ointment and cream is an over-the-counter (OTC) item eligible for reimbursement with a prescription from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Baby rash ointment and cream reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Baby Sunscreen

      Baby sunscreen is an over-the-counter (OTC) item that does not require a prescription to be eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement (HRA). Baby sunscreen is not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Babysitting and child care

      Babysitting and child care is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA) or a limited care flexible spending account (LCFSA). However, babysitting, child care and nursing services for a healthy baby do not qualify as medical care, but may be covered under a dependent care flexible spending account (DCFSA) if specific requirements are met, including that the guardian(s) are gainfully employed during the time a qualifying child is cared for, a full-time student(s) or searching for gainful employment.

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      Back Brace

      A back brace is an eligible OTC item without a prescription for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). A back brace is not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Bandage Clips

      Bandage clips are over-the-counter (OTC) items eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Bandage clips are not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Bandages

      Bandages are over-the-counter (OTC) items that are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Bandages are not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Bandages, elastic

      Elastic bandages are over-the-counter (OTC) items that are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Elastic bandages are not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Band-Aids

      Band-Aids are over-the-counter (OTC) items that do not require a prescription for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Band-Aids are not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Bariatric Surgery

      Bariatric surgery is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA). They are not eligible for reimbursement with dependent care flexible spending accounts and limited care flexible spending accounts (LCFSA).

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      Batteries

      Batteries, only for medical devices like hearing aids, are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) and health reimbursement arrangement (HRA). Batteries are not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Bed Pan

      Bed pans are over-the-counter (OTC) items that do not require a prescription for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Bed pans are not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Bed Wetting Aids

      Bed wetting aids, such as overnight underpants and diapers, are eligible over-the-counter (OTC) items that do not require a prescription with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Bed wetting aids are not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Behavioral modification programs

      Behavioral modification programs may be eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA) when required for the treatment of a specific medical condition. For a dependent care flexible spending account (FSA), behavioral modification programs are eligible if they are for a qualified child or relative and allow the parent or guardian(s) to be gainfully employed, search for gainful employment or a full-time student(s). Behavioral modification programs are not eligible for reimbursement with a limited care flexible spending account (LCFSA).

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      Benadryl

      Benadryl is an over-the-counter (OTC) medication that requires a prescription from a doctor for reimbursement with a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement. Benadryl is not eligible for reimbursement with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Bifocals

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

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      Bio Freeze

      Bio Freeze is an eligible over-the-counter (OTC) medicine with a prescription from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Bio Freeze is not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Biotin Supplements

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

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      Birth Control

      Birth control reimbursement is eligible with a prescription from a doctor with a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement (HRA). Birth control is not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Birthing Classes

      Birthing classes are partially eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Only the portion of the class that relates to the process of childbirth is eligible. Examples include: breathing techniques, stages of labor, labor & delivery procedures, birthing positions, vaginal & Cesarean delivery, so it's vital to check with a benefits administrator to see how these classes are reimbursed. Birthing classes are not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Birthing Coach

      If necessary for treatment or assistance with a medical condition, a birthing coach may be eligible, provided that a Letter of Medical Necessity (LMN) is provided as documentation for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Birthing coach reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Bleaching, teeth whitening

      Bleaching, teeth whitening is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA) because it is for cosmetic purposes and has no legitimate medical use.

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      Blepharoplasty

      Blepharoplasty reimbursement is not eligible with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA) as it is a cosmetic procedure with no legitimate medical purpose.

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      Blood Donation

      A fee associated with blood donation for subsequent use by the account holder, spouse or eligible dependent is a qualified medical expense with flexible spending accounts (FSA), health savings accounts (HSA) and health reimbursement arrangements (HRA). A fee for blood donation is not eligible for reimbursement for account holders or qualified dependents under limited care flexible spending accounts (LCFSA) and dependent care flexible spending accounts (DCFSA).

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      Blood Pressure Monitor or Unit

      Blood pressure monitor reimbursement is an eligible over-the-counter (OTC) item that does not require a prescription with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Blood pressure monitor reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Blood Storage

      Blood storage reimbursement is sometimes eligible if it is needed to treat an existing or imminently probable disease. A Letter of Medical Necessity (LMN) is usually required for reimbursement through a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement (HRA). Blood storage reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Blood-sugar test kits and test strips

      Blood sugar test kits and test strips are over-the-counter (OTC) items that do not require a prescription from a doctor to be eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Blood sugar test kits and test strip reimbursement is not eligible with a limited care flexible spending accounts (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Body Restoration Technique

      Body restoration technique reimbursement may be eligible with a Letter of Medical Necessity (LMN) from a licensed professional to treat a legitimate medical condition with a flexible spending account (FSA), health savings account (FSA) or a health reimbursement arrangement (HRA). Body restoration technique reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Body Scan

      Body scan reimbursement is eligible even if the individual is not experiencing symptoms of illness and has not obtained a doctor's recommendation before undergoing the procedure because the procedure serves no non-medical function. It is still eligible even if less expensive alternatives exist. Body scan reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Body scan reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Bonding of the teeth

      Bonding of the teeth reimbursement may be eligible if required for treatment of a medical condition. A Letter of Medical Necessity (LMN) from a physician would be required for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Bonding of the teeth reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Books, health-related

      Books, health-related reimbursement recommended by a physician are eligible with a Letter of Medical Necessity (LMN) from a doctor with a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement (HRA). Books, health-related reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Botox

      Botox injections are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) health reimbursement arrangement (HRA), dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Boutique Practice Fees

      Fees to belong to a boutique practice are not eligible, but the fees for medical services actually received at a boutique practice are eligible. Boutique practice fees reimbursement is not eligible with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Bracanalysis Testing

      BRACAnalysis testing is an eligible medical expense, as it tests DNA for genetic mutations or when there is inherent risk of disease. BRACAnalysis testing reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). BRACAnalysis testing reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Braces

      Braces are eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), health reimbursement accounts (HRA), and limited care flexible spending accounts (LCFSA). They are not eligible for reimbursement with dependent care flexible spending accounts.

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      Braille Books

      Books/magazines in Braille are eligible for the excess cost of the Braille item over a normally priced item, which also includes audio products (e.g., CDs). Braille books reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement (HRA). Braille books reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Breast Augmentation

      The cost of breast augmentation (such as implants or injections) is not a qualified medical expenses as it is considered a cosmetic procedure. Breast augmentation reimbursement is not eligible with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Breast Implant Removal

      If causing a medical problem, breast implant removal reimbursement is a qualified medical expense with a Letter of Medical Necessity from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Breast implant removal reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Breast Milk Storage Bottles or Bags

      Breast milk storage bottles or bags reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Breast milk storage bottles or bags reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Breast MRI

      Breast MRI reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Breast MRI reimbursement is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (DCFSA).

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      Breast Pump

      Breast pump reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement (HRA). Breast pump reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Breast Pump Bustier

      Breast pump bustier reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Breast pump bustier reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Breast Reconstruction Surgery

      Breast reconstruction surgery reimbursement is eligible following a mastectomy for the treatment of cancer with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Breast reconstruction surgery is not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Breast Reduction

      For treatment of a medical condition, breast reduction is an eligible expense with a Letter of Medical Necessity (LMN) from a physician with flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Breast reduction reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Breastfeeding Classes

      Breastfeeding classes are an eligible expense with a Letter of Medical Necessity (LMN) from a physician with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Breastfeeding classes are not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Breathalyzer

      Breathalyzer reimbursement, both the cost of in-home and doctor's office alcohol testing, are eligible medical expenses with a Letter of Medical Necessity (LMN) from a physician with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Breathalyzer reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Bridges

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

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      Bug Spray

      Bug spray is not currently eligible unless it is combined with sunscreen SPF 15 or greater and the primary purpose is sun protection. Bug spray reimbursement is not eligible with a flexible spending account (FSA), limited care flexible spending account (LCFSA), dependent care flexible spending account (DCFSA), health savings account (HSA) or health reimbursement arrangement (HRA).

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      Bus Fare for Medical Treatment or Services

      Bus fare for medical treatment or services reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Bus fare for medical treatment or services reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA). Documentation will be required to show that the travel is in relation to medical treatment or care.

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      Butterfly Bandages

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

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