Wound Care: FSA Eligibility

Wound care is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA). It is not eligible for reimbursement with dependent care flexible spending accounts and limited care flexible spending accounts (LCFSA).

What constitutes a wound?

Wounds occur when the skin is broken or damaged. The skin is a barrier to the outside world and has several layers. Many types of wounds can damage the skin including abrasions, lacerations, rupture injuries, punctures, and penetrating wounds. Often wounds are superficial and require some local first aid with cleansing and dressing. Deeper wounds need medical attention to prevent infection and loss of function, due to damage to structures like bone, muscle, tendon, arteries and nerves.

What are different types of wounds?

Inflammation is the skin's initial response to injury. Surface wounds leave the deeper skin layers intact, and are usually caused by friction rubbing against an abrasive surface. Deep abrasions go through all the layers of the skin and into underlying tissue like muscle or bone. Puncture wounds like animal bites or being pricked by a needle are usually caused by a sharp pointed object entering the skin.

How should wounds be treated?

Proper wound care is necessary to prevent infection, assure there are no other associated injuries, and to promote healing of the skin. While important, cosmetic results are not the primary consideration for wound repair. Superficial wounds may be treated by antiseptic agents that kill microorganisms, or antibiotic ointments that inhibit bacterial growth in wounds that are already infected. There is often little need to prescribe antibiotics. However, some wounds like animal bites, human bites, and wounds exposed to river or lake water contamination, may require antibiotics to prevent infection. Antibiotics may also be prescribed if underlying structures like tendons or bones are involved.

If the wound is left open for longer than 6 to 12 hours, it may not be sutured or stitched. In the stitching process, the health care practitioner will clean the wound and explore the area for foreign bodies or underlying structures that may have been damaged beforehand. Aside from stitches, wound dressings like Tegaderm or Hydrogel may be used to promote healing, especially for the elderly who have fragile skin.

Wound Care: Best Sellers


Eligibility Table

Flexible Spending Account (FSA) Limited Care FSA Dependent Care FSA Health Savings Account (HSA) Health Reimbursement Account (HRA)

Eligible

Eligible with Rx

Eligible with LMN

Not Eligible

Specifically Not Covered

No prescription required.

Legal Information / Regulations

Under IRS ' 213(d)(1), "medical care includes amounts paid for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body." This includes medical equipment and devices.

 


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