Flexible Spending Accounts and Letters of Medical Necessity
It can be difficult to tell what's covered by a Flexible Spending Account (FSA) sometimes. There is such a wide variety of ailments and conditions, and deciphering what's eligible or not covered with an FSA can occasionally be tricky.
As you can see on FSAstore.com, thousands of products are eligible without further support, and other products are eligible as long as you obtain a prescription or a letter of medical necessity.
To learn about additional expenses covered by Flexible Spending Accounts, browse the Eligibility List on FSAstore.com.
What is a Letter of Medical Necessity? Let's define it.
A letter of medical necessity is a letter from your doctor explaining why an item or service may be medically necessary.
It will typically indicate factors such as a disease that the item may be necessary to treat, and why there are not alternatives, what the necessary treatment would be, etc.
Some examples of items that may require a letter of medical necessity include:
- Acne Treatment: Requires prescription when there is an active medical ingredient.
Acne lasers provide energy to the skin to shrink oil glands, unclog pores and eliminate acne causing bacteria.
You can purchase specialized, non-medicated laser treatment through reVive products sold at FSAstore.com. This product is considered FSA eligible.
- Baby Formula: Requires letter of medical necessity
If your baby requires a special formula to treat an illness or disorder, the difference in cost between the special formula and routine baby formula may be reimbursed with a letter of medical necessity.
- Breast Augmentation: Ineligible
This is considered a cosmetic procedure, which is not covered by your FSA. One the other hand, breast reduction might be eligible if you obtain a letter of medical necessity.
- Dietary Supplements: Requires letter of medical necessity
Dietary supplements must be necessary to treat a specific medical condition.
Although you could shop for prenatal vitamins or glucosamine chondroitin at FSA Store.
- Counseling: Some require letter of medical necessity, some ineligible
Counseling must be provided to treat a medical or mental diagnosis and be rendered by a licensed provider. Diagnosis examples include bereavement, behavior modification, psychoanalysis, and psychotherapy. Life coaching, career counseling and marriage counseling do not qualify for FSA reimbursement.
- Feminine hygiene products: Ineligible
- Sunglasses: Requires letter of medical necessity or when prescription based lens', a prescription.
Shop for a variety of FSA eligible itemsat FSAstore.com. Products can range from sunscreen to breast pumps to hot and cold therapy packs to contact lens care and much more. FSAstore.com offers thousands of products exclusively for an FSA, so you don't have to be confused about what can be reimbursed. You can also easily shop using an FSA debit card, or major credit card.