How are qualified medical expenses determined? Actually, the qualified is determined by IRS Medical and Dental Expenses Publication 502 and there are 4 qualified expense categories:

Medical

  • Medical Supplies & Equipment, such as blood sugar test kit, lactation supplies, back brace, etc.
  • Medical Practices, such as mental therapy, physician office visit, physical examination, etc.
  • Medical Services, such as inpatient care, nursing services, guide dog or other service animals, etc.
  • Meals, lodging and transportation, such as meals and lodging included in medical care and transportation expenses for medical purposes, etc.

Dental

  • Dentist visit or Dental treatment, such as orthodontia, the application of sealants, fluoride treatments, X-rays, fillings, extractions, etc.
  • Artificial teeth, dentures

Vision

  • Ophthalmologist visit, eye exam, eye surgeries
  • Eyewear, such as prescription glasses, prescription contact lenses, prescription sunglasses, etc.
  • Vision disabled auxiliary, such as braille books and magazines.

Pharmacy

  • Prescribed Medicines and Drugs
  • OTC Medicines and Drugs
  • Other OTC Products

    Read more about Rx and LMN and OTC Medication
    **Please note that eligible expenses for a traditional HRA are determined at the discretion of the Employer toward these categories.
    **Please note that ONLY dental and vision expenses are eligible for a Limited Purpose FSA.

Some ineligible expenses examples

  • Cosmetic surgery or procedures
  • Exercise and fitness programs for general health
  • Non-medical personal care products, such as bug spray, cotton balls, dental floss, etc.
  • Non-prescription eyewear

If you're wondering whether an item or service is eligible under these categories, here are a few ways to find out.

Eligibility List

You can view a comprehensive list of eligible expenses HERE.

Ask Us

If you still can't determine whether an item is eligible, contact our Member Experience Team using the live chat icon at the bottom right corner of this page and we'll be happy to help!

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