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.

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    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

      Ear Drops and Wax Removal

      Ear drops and wax removal products are eligible over-the-counter (OTC) products with a prescription from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Ear drops and wax 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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      Ear Piercing

      Ear piercing is not medically necessary and therefore 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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      Ear Plugs

      Ear plugs are eligible for reimbursement 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). Ear plugs reimbursement are not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Ear Syringe

      Ear syringes are eligible 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). Ear syringe reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Ear Thermometer

      An ear thermometer is an eligible over-the-counter (OTC) item without a prescription from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Ear thermometer reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Ear Wax Removal

      Ear wax removal products are eligible over-the-counter (OTC) products with a prescription from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Ear wax 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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      Eczema Treatment

      Eczema treatment products are eligible over-the-counter (OTC) products with a prescription from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Eczema treatment reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Educational Classes for Medical Condition

      Fees for educational classes for medical conditions are eligible with a Letter of Medical Necessity (LMN) from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Fees for education classes for medical conditions are not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Egg and Embryo Storage Fees

      Egg and embryo storage, when stored for immediate use and deemed medically necessary by a doctor who has provided a Letter of Medical Necessity (LMN) is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Fees for egg and embryo storage are not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Egg Donor Fees

      Egg donor fees for the individual, spouse or dependent, including legal, donor, testing and agency fees, when deemed medically necessary by a doctor who has provided a Letter of Medical Necessity (LMN) are eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Egg donor fees are not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Egg Recipient Fees

      Egg recipient fees for the individual, spouse or dependent, including legal, recipient, testing and agency fees, when deemed medically necessary by a doctor who has provided a Letter of Medical Necessity (LMN) are eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Egg recipient fees are not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Elastics for Athletes

      Elastics for athletes 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). Elastics for athletes are not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Elder Care

      Elder care reimbursement is not eligible with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA) or a limited care flexible spending account (LCFSA). Elder care may qualify under a dependent care flexible spending account (DCFSA) when the elder lives with the account holder for 8 or more hours per day.

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      Electrolysis

      Electrolysis is related to cosmetic purposes and has no medical purpose, therefore it 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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      Electrolyte Replacements

      Electrolyte replacements are over-the-counter (OTC) medical products eligible for reimbursement with a prescription from a physician with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Electrolyte replacement reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Electronic Cigarettes

      Electronic cigarettes are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA). Electronic cigarettes are not typically prescribed by doctors as they are not considered a smoking cessation product. Electronic cigarettes are considered an alternative to smoking.

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      Electrotherapy Pain Relief Device

      Electrotherapy Pain Relief Device reimbursement is eligible with a flexible spending account (FSA), health savings account or a health reimbursement arrangement (HRA). Electrotherapy Pain Relief Device reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Elevated Toilet Seats

      Elevated toilet seats are medical products eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Elevated toilet seat reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Elevator in Home

      An elevator in the home is eligible for reimbursement 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). An elevator in the home 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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      Embryo Storage

      Embryo storage for the individual and/or spouse, when deemed medically necessary by a doctor who has provided a Letter of Medical Necessity (LMN) is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Embryo storage is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Epsom Salt

      Epsom salts are Over-the-Counter (OTC) medical products eligible for reimbursement with a prescription from a physician with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Epsom salts are not eligible for reimbursement with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Erectile Dysfunction Treatment

      Erectile dysfunction treatment medicines are eligible for reimbursement with a prescription from a physician with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Erectile dysfunction treatment medicines are not eligible for reimbursement with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Ergonomic Items

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

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      Exercise Equipment

      Exercise equipment is eligible for reimbursement with a Letter of Medical Necessity (LMN) from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Exercise equipment is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Expectorants

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

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      Expenses Not Incurred During the Coverage Period

      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.

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      Expenses previously reimbursed under or could be reimbursed under another plan

      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.

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      Experimental Drugs

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

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      Experimental Medical Services

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

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      Eye Drops

      Eye drops are an eligible OTC item with a prescription from a doctor.

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      Eye Equipment

      Eye equipment reimbursement is eligible with a prescription from a physician with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA), or a limited care flexible spending account (LCFSA). Eye equipment reimbursement is not eligible with a dependent care flexible spending account (DCFSA).

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      Eye Exams

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

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      Eye Mask for Pain Relief

      Eye masks for pain relief are an Over-the-Counter (OTC) item eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA), or a limited care flexible spending account (LCFSA). A prescription is not required. Eye masks for pain relief are not eligible for reimbursement with a dependent care flexible spending account (DCFSA).

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      Eye Pressure Monitor

      Eye pressure monitors are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA), or a limited care flexible spending account (LCFSA). A prescription is not required. Eye pressure monitors are not eligible for reimbursement with a dependent care flexible spending account (DCFSA).

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      Eye Related Equipment

      Eye related equipment reimbursement is eligible with a prescription from a physician with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA), or a limited care flexible spending account (LCFSA). Eye related equipment reimbursement is not eligible with a dependent care flexible spending account (DCFSA).

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      Eye Surgery

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

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      Eye Treatment Medications

      Eye treatment medications are eligible with a prescription from a doctor.

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      Eyeglass Accessories

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

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      Eyeglasses

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

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      Eyewear Repair Kit

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

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