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.

    Shop FSA-Eligible Medical Items

      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

      Hair Colorants

      Hair colorants 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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      Hair Regrowth or Removal

      Hair regrowth or removal 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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      Hair Removal

      Hair removal 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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      Hair Removal and Transplants

      Hair removal and transplants are 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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      Half Way House

      The cost of a half way house necessary for treatment of an addiction or other medical treatment may be eligible with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Half way house reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Hand Lotion Containing a Medicine

      Hand lotion containing a medicine, when prescribed by a medical professional, is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA). Hand lotion containing a medicine is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Hand Sanitizer

      Hand sanitizer is an over-the-counter (OTC) item that is 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). Hand sanitizer 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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      Handicap, Disability License Plates

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

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      Headache Medications

      Headache medications 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). Headache medications reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Health Club Dues & Fees

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

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      Health Institute Fees

      Health institute fees are 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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      Health Insurance Premiums

      Health insurance premiums are not eligible on an FSA, but may be eligible with a health reimbursement arrangement (HRA) and are eligible on a health savings account (HSA) unless already paid for with pre-tax dollars. Health insurance premiums reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Health Screenings

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

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      Hearing Aid Batteries

      Hearing aid batteries are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) and health reimbursement arrangement (HRA). Hearing aid 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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      Hearing Aids

      Hearing aids and repair for hearing aids are eligible expenses.

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      Heated Neck Rest

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

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      Heating Pads

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

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      Hemorrhoid Treatment

      Hemorrhoid treatment is eligible with a prescription by a medical doctor for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Hemorrhoid treatment is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Herbal Medication

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

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      Herbs

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

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      HMO (Health Maintenance Organization)

      Insurance premiums are never eligible for reimbursement with a flexible spending account (FSA), but may be eligible with a health reimbursement arrangement (HRA) and are eligible on a health savings account (HSA) unless already paid for with pre-tax dollars. Health insurance premiums reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Holistic Healers

      Holistic healers are 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). Holistic healers reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Home Defibrillator

      A home defibrillator is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) and health reimbursement arrangement (HRA). A home defibrillator 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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      Home Diagnostic Kits, Tests, Devices

      Home diagnostic kits, tests, devices are typically eligible if used to determine the presence of a disease or dysfunction in the body (e.g. heart attack, stroke, diabetes, cancer). Home diagnostic kits, tests, devices reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Home diagnostic kits, tests, devices reimbursement is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Home Health Care

      Home Health Care is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Home Health Care 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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      Home Improvements

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

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      Homeopathic Medicine

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

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      Hormone Replacement Therapy

      Hormone replacement therapy is eligible with a prescription by a medical doctor for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Hormone replacement therapy is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Hospital Care

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

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      Hospital Insurance Premiums

      Hospital insurance premiums, if they have not been paid for with pre-tax dollars, are eligible for reimbursement with a health savings account (HSA) or a health reimbursement arrangement (HRA). Hospital insurance premiums are not eligible with a dependent care flexible spending account (DCFSA), flexible spending account (FSA), or a limited care flexible spending account (LCFSA).

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      Hospital Services and Fees

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

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      Hot and Cold Compress

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

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      Hot Packs

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

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      Hot Tub

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

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      Household Help

      General household help is not eligible. Nursing services are eligible if services are for medical care. Reimbursement can cover room and board if medically necessary. Services can occur in the individual's home or another facility. The caregiver does not need to be a registered nurse as long as services are typically provided by nurses. Therefore, in the vast majority of cases, household help reimbursement is not covered by a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Housekeeper

      A housekeeper is not required for the treatment, prevention or diagnosis of a medical condition 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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      Human Guide

      To assist a physically, visually, hearing or mentally impaired person, the cost of a human guide is a qualified medical expense with a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement (HRA). Human guide reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Humidifier

      Humidifiers are eligible for reimbursement with a letter of medical necessity for 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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      Hydrogen Peroxide

      Hydrogen peroxide 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). Hydrogen peroxide reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Hydrotherapy

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

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      Hyperbaric Oxygen Therapy

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

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      Hypnosis

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

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      Hysterectomy

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

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