What does “FSA Eligible” mean?


“FSA Eligible" refers to a product or service that will (likely) be covered by your Flexible Spending Account. The IRS determines FSA eligibility by defining “qualified medical expenses" as covered expenses for medical and dental care. Check out IRS Publication 502 for a full list.

A medical expense is specifically related to treatment of a disease or other physical condition. In order for something to be considered a “qualified" medical expense, it must be considered medically necessary. Cosmetic expenses or anything benefiting general health (such as a gym membership or vitamins) will be excluded from qualified expenses.

Your FSA can cover qualified medical expenses for:

  • Yourself and your spouse
  • Any eligible dependents (including children under age 27 at end of tax year).

What might be a “qualified medical expense"?

  • Costs toward medical services by a dentist, physician or other medical specialist.
  • Costs of medical products or supplies.

Items not covered by your FSA:

Certain expenses will not be covered by your FSA.

  • Health insurance premiums.
  • Long-term care expenses.
  • Costs for another health plan.

Why is a product/service not covered by my FSA?

Even though the IRS offers guidance on FSA eligibility, your employer determines which expenses will ultimately be eligible under your FSA.

At FSAstore.com, we do not have access to your FSA account details. If you have questions about FSA eligibility for your plan, please consult our FSA Eligibility List or directly contact your HR department or FSA Administrator.

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