FSA Products & Services Eligibility List | From IRS Guidelines

Written by: FSA Coach

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Time to read 4 min

There are thousands of qualified expenses on the FSA Products & Services Eligibility List. Browse and search below for the comprehensive eligibility list for FSA and HSA spending.

FSA-Approved Products

FSA-approved products can be purchased with an FSA card and often will not require a receipt with purchase when buying from FSA and HSA product retailers.

FSA-Approved Services

Services can be purchased with an FSA card, but often require an accompanied receipt to provide proof of an eligible purchase.

A

  • Acupuncture
  • Adopted Child's Medical Care
  • Ambulance Charges
  • Anesthesia

B

  • Braces (Dental)
  • Breastfeeding Classes

C

  • Cataract Surgery
  • Chiropractic Care
  • Co-insurance (Medical, Dental, Vision, Rx)
  • Co-payments (Medical, Dental, Vision, Rx)
  • Corneal keratotomy
  • Counseling for Medical Condition

D

  • Deductibles (Medical, Dental, Vision, Rx)
  • Dentures
  • Drug Addiction Therapy
  • Dyslexia Therapy

E

  • Emergency Room Visits
  • Eye Exams
  • Eye Surgery

F

  • Flu Shots
  • FSA Approved Services List

G

  • Genetic Testing

H

  • Hysterectomy

I

  • Immunizations
  • Infertility Treatments

J


K


L

M

  • Mammogram
  • Midwife Services
  • Mole, cyst or tumor removal
  • Mother's Childbirth Classes
  • MRI

N

  • Norplant insertion or removal
  • Nursing Services

O

  • OB/GYN Fees
  • Occupational Therapy (Medical)
  • Oncologist
  • Operation (Medical)
  • Optometrist
  • Organ Transplant
  • Orthodontist

P

  • Physical Exams
  • Physical Therapy (Rehab) Visits
  • Pillows (bedding)
  • Prosthesis
  • Psychiatric care
  • Psychoanalysis
  • Psychologist fees

Q


R


S

  • Sales tax, shipping fees (for approved expenses)
  • Speech Therapy
  • Sterilization
  • Stop Smoking Programs
  • Substance Abuse Therapy

T

  • Travel Expenses for Medical Care

U


V

  • Vaccinations
  • Vasectomy
  • Viagra

W

  • Wisdom Teeth Removal

X

  • X-Rays

Y


Z

Expenses not approved with FSA and HSA

General health products and products that have multiple uses (dual purpose) are not covered with FSAs and HSAs. Certain ineligible expenses may qualify for FSA reimbursement if accompanied with a doctor-provided letter of medical necessity (see FAQ below).

A

B

  • Baby Diapers
  • Baby Formula
  • Baby Powder
  • Beauty Products
  • Blue Light Blocking Glasses
  • Botox

C


D

E

F

  • Fitbit and Step Trackers

G


H

I

J


K


L

  • Laser Hair Removal

M

N


O

P

Q


R


S

  • Scar Treatments
  • Shampoo and Conditioner
  • Soap
  • Sugar Substitutes
  • Sun Tanning

T

U


V

W

  • Waterpik
  • Weight Loss Products
  • Weight Scales

X


Y


Z

Important Note on Letters of Medical Necessity (LMN) and FSA Eligibility

BuyFSA defines “FSA-approved expenses” as those where an FSA Card can transact the expense without the need for further documentation. 


Ineligible expenses may be approved with a doctor's note if there is a medical need. However, every FSA administrator has different auditing rules that often complicate the process for reimbursement. 


BuyFSA only lists guaranteed FSA-approved products and services that do not require additional LMN documentation.

Trending FSA-approved Products

FAQ

What is the FSA Products & Services Eligibility List?

This is a comprehensive list of qualified medical expenses that was originally sourced from IRS Guidelines. The specific categorizations are accepted reimburseable expenses outlined by major FSA and HSA benefits administrators and the private industry group that oversees FSA/HSA approved expenses.

Who determines FSA and HSA eligibility?

The IRS sets the standard guidelines for tax-free medical expenses. These guidelines are revisited from time to time and updated accordingly on the BuyFSA FSA Eligibility List.

Is there a difference between FSA and HSA eligible expenses?

For products, no. All FSA products can also be considered HSA products. Both FSA and HSA products can be purchased on BuyFSA. When it comes to services, the predominant difference is that HSAs may cover insurance premiums while FSAs do not.

What is the difference between "FSA-approved" and "Requires Letter of Medical Necessity"?

FSA-approved products are items that you can purchase with an FSA card without any other documentation. These purchases often do not require a receipt when purchased from an FSA retailer such as BuyFSA. Items that require a Letter of Medical Necessity are actually ineligible expenses where an exception is made based on medical need. This medical need is determined between you and your doctor at which point you can receive a letter of medical necessity as proof and substantation for your FSA reimbursement claim.