The Complete FSA Eligibility List

Here it is — the most-comprehensive eligibility list available on the web. From A to Z, items and services deemed eligible for tax-free spending with your Flexible Spending Account (FSA), Health Savings Account (HSA), Health Reimbursement Arrangement (HRA) and more will be here, complete with details and requirements. Important Reminder: FSAs, HRAs and other account types listed may not all be the same. Be sure to check with your administrator to confirm if something is eligible before making a purchase.

Here it is — the most-comprehensive eligibility list available on the web. From A to Z, items and services deemed eligible for tax-free spending with your Flexible Spending Account (FSA), Health Savings Account (HSA), Health Reimbursement Arrangement (HRA) and more will be here, complete with details and requirements. Important Reminder: FSAs, HRAs and other account types listed may not all be the same. Be sure to check with your administrator to confirm if something is eligible before making a purchase.

Usual and customary charges, excess: FSA Eligibility

Usual and customary charges, excess: eligible with a Flexible Spending Account (FSA)
Excess usual and customary charges are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA) if the underlying expenses qualify for reimbursement. Excess usual and customary charges are not eligible with a dependent care flexible spending account (DCFSA), and are sometimes eligible with a limited-purpose flexible spending account (LPFSA).

What are excess usual and customary charges?

Reasonable and Customary (R&C) is a term that was developed by insurance companies as a means of classifying the average amount a specific medical practitioner charges based on his/her geographic area. This is often the parameters that an insurance company will use to set pricing of specific medical services and procedures, and if a service offered by a physician exceeds the amount set by the insurance company for the area, the patient is responsible for paying the difference between the amount charged and the Reasonable and Customary expense limit set by the insurance company (HowStuffWorks).

R&C expenses may also be listed as UCR (Usual, Customary and Reasonable) expenses under some types of insurance policies, but this term is identical to R&C classification. In some cases when a patient questions his/her doctor about the cost of a procedure, the provider may choose to reduce this amount to what the patient normally pays as a R&C expense, and the doctor may choose to lower the cost of the procedure. Obviously, this is completely left up to the medical provider and in most cases the patient will have to pay the difference in cost. However, this excess amount is eligible for reimbursement through consumer-directed healthcare accounts like FSAs, HSA and HRAs if the underlying expense also qualifies for reimbursement.