Insoles: FSA Eligibility

Insoles: eligible with a Flexible Savings Account (FSA)
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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What are insoles?

Insoles are a type of foot cushioning product that are designed to make shoes and other forms of footwear more comfortable for wearers, or to help correct acute or chronic medical issues that can cause pain during regular activity. Insoles are available over-the-counter to fit both men's and women's footwear to improve their overall comfort level, but they can also be custom-made by a podiatrist for patients who have a unique foot shape or more advanced medical issues.

The term "insoles" commonly refers to over-the-counter cushioned insoles, heel cups and shoe inserts that are primarily used to tackle common foot pain ailments, but more advanced insoles are most commonly referred to as orthotics. The pattern and design of these orthotics are customized with specific indentation and contours to correct specific foot pain issues, the most common of which include plantar fasciitis, arthritis, bone spurs, corns & calluses, tendinitis and many more potential medical conditions (LiveAbout).

Insoles that are custom-made by a podiatrist are eligible for reimbursement through consumer-directed healthcare accounts like FSAs, HSAs and HRAs as they are designed to treat a specific medical condition. Over-the-counter (OTC) insoles are also eligible, but because they do not contain a medicated ingredient, they do not require a prescription from a physician for reimbursement through a consumer-directed healthcare account.