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

      Dance Lessons

      The cost of dance lessons is generally not an eligible expense. If dance lessons are recommended by a medical professional to treat a specific medical condition, the expense may be eligible provided that it would not have been incurred "but for" the medical condition. Typically, a Letter of Medical Necessity (LMN) from a professional would be required for reimbursement through a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement. Dance lessons are not covered under any circumstance by a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Daycare

      Daycare expenses are not eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), health reimbursement arrangements (HRA) and limited care flexible spending accounts (LCFSA). However, the cost of daycare is a qualified eligible expense under a dependent care FSA (DCFSA).

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      Decongestant

      Decongestants are over-the-counter (OTC) medicines that require a prescription from a doctor for reimbursement through a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Decongestants 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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      Deductible Cost

      Deductible costs are related to medical care and treatment and therefore are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Deductible costs reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Defibrillator

      A defibrillator is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) and health reimbursement arrangement (HRA). A 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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      Dehumidifier

      A dehumidifier is not required for the treatment, prevention or diagnosis of a medical condition and therefore 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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      Dehydration Treatment

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

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      Dental Care

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

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      Dental Emergency Kit

      A dental emergency kit used for temporary repair is an eligible medical expense with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA) or limited care flexible spending account (LCFSA). Dental emergency kit reimbursement is not eligible with a dependent care flexible spending account (DCFSA).

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      Dental Floss

      Dental floss is considered to be a product used exclusively for "general health" purposes, and 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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      Dental Insurance Premiums

      Dental insurance premiums are not eligible on a flexible spending account (FSA) and may be eligible with a health reimbursement arrangement (HRA) or health savings account (HSA), unless already paid for with pre-tax dollars. Check with your benefits administrator as to which premiums will qualify. Dental insurance premiums reimbursement is not eligible with a dependent care flexible spending account (DCFSA).

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      Dental Maintenance Organization (DMO) Fees

      Premiums are not eligible on a flexible spending account (FSA) and may be eligible on a health reimbursement arrangement (HRA) or health savings account (HSA), unless already paid for with pre-tax dollars. Check with your benefits administrator as to which premiums will qualify. Dental maintenance organization fees reimbursement is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Dental Procedures

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

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      Dental Reconstruction

      When required for medical treatment, dental reconstruction is 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). Dental reconstruction reimbursement is not eligible with a dependent care flexible spending account (DCFSA).

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      Dental Sealants

      When required for medical treatment, dental sealants 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). Dental sealants reimbursement is not eligible with a dependent care flexible spending account (DCFSA).

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      Dental Services and Procedures

      Dental services and procedures are eligible expenses with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA) and a limited care flexible spending account (LCFSA). Dental services and procedures reimbursement is not eligible with a dependent care flexible spending account (DCFSA).

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      Dental Veneers

      Dental veneers reimbursement is eligible with a Letter of Medical Necessity (LMN) from a physician with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA) or a limited care flexible spending account (LCFSA), however, if it is for cosmetic purposes, it is not eligible. Dental veneers reimbursement is not eligible with a dependent care flexible spending account (DCFSA).

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      Denture Adhesive

      Denture adhesive is 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). Denture adhesive reimbursement is not eligible with a dependent care flexible spending account (DCFSA).

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      Denture Cleaning Supplies

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

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      Denture Stain Cleaner

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

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      Dentures

      Dentures 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). Dentures are not eligible for reimbursement with a dependent care flexible spending account (DCFSA).

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      Denturist

      Amounts paid to a denturist for treatment of a dental condition are eligible expenses with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA) or a limited care flexible spending account (LCFSA). Denturist reimbursement is not eligible with a dependent care flexible spending account (DCFSA).

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      Deodorant

      Deodorant 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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      Dependent Care

      Dependent Care is not required for treatment, prevention or diagnosis of a medical condition and therefore not eligible.

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      Dermabrasion

      Dermabrasion is typically for cosmetic procedures and therefore not eligible for reimbursement through 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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      Dermatology Treatment

      Dermatology treatment may or may not require a Letter of Medical Necessity (LMN) or prescription dependent upon the service and treatment. Dermatology treatment reimbursement is eligible with an LMN or prescription with a flexible spending account (FSA), health savings account (HSA) or health reimbursement arrangement (HRA). Dermatology 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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      Diabetic Monitors

      Diabetic monitors are eligible, both over-the-counter (OTC) and those that require a prescription, for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Diabetic 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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      Diabetic Socks

      Diabetic socks reimbursement is sometimes eligible if the item is being used to treat a medical condition and only the excess cost is reimbursable. In most cases, diabetic sock reimbursement is 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). Diabetic sock reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Diabetic Supplies

      Diabetic supplies such as test strips, monitors, etc. are eligible OTC items that do not require a prescription, although are also eligible when prescribed. Diabetic supplies reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Diabetic supplies reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Diabetic Test Kit

      Diabetic test kits are eligible OTC items that do not require a prescription, although are also eligible when prescribed. Diabetic test kit reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Diabetic test kit reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Diabetic Test Strips

      Diabetic test strips are eligible over-the-counter (OTC) products for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Diabetic 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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      Diagnostic Products

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

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      Diagnostic Services

      Diagnostic services reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Diagnostic 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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      Diaper Rash Cream & Ointment

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

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      Diapers

      Diapers/diaper service expenses are usually ineligible, unless used to alleviate the effects of a particular disease or medical condition (e.g., an older child with brain defects [i.e., Aicardi Syndrome]). In addition, adult diapers can be viewed as treatment for incontinence.

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      Diarrhea Medicine

      Diarrhea medicine, such as Imodium A-D or Kaopectate, 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). Diarrhea medicine reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Diathermy

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

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      Diet Foods

      Diet foods necessary to treat a medical condition such as obesity are not eligible as they may also satisfy normal nutritional requirements. However, specialty foods may qualify if necessary for a medical condition such as a gluten allergy, but only to the extent of the increased cost above what the same non-specialty item would cost. In the vast majority of cases, diet foods 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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      Dietary Supplements

      Dietary supplements are typically not eligible, unless to treat a specific illness. The IRS observed that sometimes doctors will recommend meal replacements, dietary supplements and special foods as substitutes for foods normally consumed by individuals. Even if the reason is obesity, which can be considered a disease, these items are not reimbursable because they are food substitutes and everyone needs to eat.

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      Dietitian

      When recommended by a health care professional for a medical condition, amounts paid to a dietitian are qualified medical expenses. Dietitian reimbursement is eligible with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Dietitian reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Digestive Aids

      Digestive aids are over-the-counter (OTC) medicines that require a prescription from a physician to be eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Digestive aids reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Digital Thermometer

      Digital thermometers are eligible 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). Digital 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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      Disability Premiums

      Premiums are not eligible with a flexible spending account (FSA) and may be eligible on a health reimbursement arrangement (HRA) or a health savings account (HSA), unless already paid for with pre-tax dollars. Check with a benefits administrator to see which premiums will qualify. Disability 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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      Disabled Dependent Care Expenses

      Medical expenses for a disabled dependent are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA) and a dependent care flexible spending account (DCFSA), the latter of which is eligible provided that the care if for a qualifying dependent. Disabled dependent care expenses reimbursement is not eligible with a limited care flexible spending account (LCFSA).

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      Disabled Person, expenses for

      Expenses for a disabled person, such as a wheelchair, Braille books and magazines, a guide dog and special medical care, are eligible for reimbursement a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Expenses for a disabled person reimbursement is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Disposable Bra Pads for Nursing

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

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      Disposable Face Mask

      Disposable face masks 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). Disposable face masks are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Disposable Underwear

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

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      Diuretics

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

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      DNA Storage

      If medically necessary for treatment of an existing or imminent medical condition, DNA storage may be eligible for reimbursement with a Letter of Medical Necessity (LMN) from a practitioner with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). DNA 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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      Doctor Fees

      Doctor fees are eligible provided that the medical care was actually received. Doctor fees reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Doctor fees reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Donor Fees

      Donor fees are sometimes eligible, if the expense prepares the individual, spouse or dependent for the procedure, such as donor fees, legal fees, testing and agency fees. In these cases, donor fees reimbursement would be eligible with a flexible spending account (FSA), health savings account (HSA) and health reimbursement arrangement (HRA). Donor fees reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Doula

      Doula services are 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 dependent care flexible spending accounts and limited care flexible spending accounts (LCFSA).

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      Drug Addiction Treatment & Counseling

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

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      Drug Overdose Treatment

      Treatment for a drug overdose is eligible, as well as any associated drug counseling or rehabilitation expenses. Drug overdose treatment reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Drug overdose 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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      Drug Testing Kits for Home Use

      Kits to test for a controlled substance are not eligible. If a drug testing kit is necessary for treatment of a medical condition such as an addiction, it would be eligible 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). Drug testing kits for home use reimbursement is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Drugs and Medicines

      As of January 1, 2011, over-the-counter (OTC) drugs and medicines require a prescription from a doctor for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Drugs and medicines reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Durable Medical Equipment

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

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      Dyslexia Treatment

      If medically necessary for the treatment of dyslexia, treatment 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). Dyslexia 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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