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

      Ibuprofen

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

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      Illegal Operations and Treatments

      Illegal operations and treatments in violation of federal law 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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      Immunizations

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

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      Immunotherapy

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

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      Impotence Medicines and Treatments

      Impotence medicines and treatments are 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). Impotence medicines and treatments are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      In Vitro Fertilization (IVF)

      In vitro fertilization expenses for an account holder or qualified dependent are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). In vitro fertilization reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Inclinator

      An inclinator 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). An inclinator is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Incontinence Supplies

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

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      Indigestion Treatment

      Indigestion 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). Indigestion treatment is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Individual Insurance Premiums

      Individual 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. Individual 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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      Infant Formula

      Infant 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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      Infertility Treatment

      Infertility treatment reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement (HRA). Infertility 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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      Injection Snoreplasty

      An injection snoreplasty 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). An injection snoreplasty is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Inpatient hospitalization services

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

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      Insect Bite Creams and Ointments

      Insect bite creams and ointments are eligible over-the-counter (OTC) medications with a prescription from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Insect bite creams and ointments reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Insect Repellent

      Insect repellent is not currently eligible unless it is combined with sunscreen SPF 15 or greater and the primary purpose is sun protection. Insect repellent 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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      Insoles

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

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      Instant Ear Thermometer

      An instant 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). Instant 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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      Insulin

      Insulin and related expenses (e.g. syringes) are always eligible for reimbursement without a doctor's prescription with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Insulin reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Insulin Supplies

      Insulin and related expenses (e.g. syringes) are always eligible for reimbursement without a doctor's prescription with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Insulin reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Insurance Premiums

      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. 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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      Inversion Table

      An inversion table is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA) with a letter of medical necessity. They are not eligible for reimbursement with limited care flexible spending accounts (LCFSA) and dependent care flexible spending accounts.

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      Investigational Surgery

      Investigational surgery is an eligible medical expense with a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement (HRA). Investigational surgery reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Invisalign Orthodontics

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

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      IV Equipment and Stands

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

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