Are vitamins covered by my FSA?
The Internal Revenue Service (IRS) sets the rules for FSA eligibility, and every product/service that is considered eligible falls under regulation IRS 213(d):
"The term “medical care" means 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."
Are vitamins FSA eligible?
Yes...to a point. While one could make the argument that taking daily multivitamins can help ward off future health problems, they generally fall outside IRS regulations for FSA eligibility as they are products used to support one's "general health," and not used to diagnose, cure, mitigate, treat or prevent a legitimate medical condition.
However, if a vitamin or supplement is prescribed to treat a major medical issue, it could be eligible for reimbursement through an FSA. For instance, glucosamine and chondroitin are FSA eligible without the need for a prescription or Letter of Medical Necessity (LMN) from a physician, as they are known to support joint health and prevent the breakdown of cartilage. Additionally, prenatal vitamins are also FSA eligible, as they have been proven to cover nutritional gaps in a mother's diet and reduce the risk of birth defects.
Lastly, if an FSA holder's doctor suggests a specific type of vitamin supplement to treat a medical condition, such as common treatments like biotin for enhanced metabolism or melatonin to improve one's sleep cycle, these will typically require a Letter of Medical Necessity (LMN) from a doctor. This letter must outline how an account holder's medical condition necessitates a vitamin supplement, how the treatment will be used to alleviate the issue and how long the treatment will last. If the treatment plan exceeds the current plan year, another LMN will have to be provided to the benefits administrator to cover the duration of the treatment.
For questions regarding your FSA and to shop the web's largest selection of FSA eligible items, visit FSAstore.com! We make it easy for you to maximize the potential of your employee benefits and support the wellness of you and your loved ones.
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