FSA / HSA Eligibility List (Products + Services)

Written by: Mike Bonfigli - Founder & CEO - buyFSA

|

|

Time to read 5 min

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

FSA & HSA-Approved Products FSA & HSA Approved Services Expenses not approved with FSA and HSA

FSA & HSA Approved Products

FSA and HSA-approved product eligibility is identical and can be purchased with an FSA or HSA card at any retailer that accepts FSA/HSA cards.

Shop All FSA/HSA Items

A

B

C

D

E

F

G

H

I

J

K

View all FSA/HSA Products

FSA & HSA Approved Services

The list below includes medical services that can be purchased with an FSA or HSA card, but note that these often require an accompanying receipt and/or additional documentation to provide proof of FSA/HSA eligibility post-purchase.

A

  • AA Meetings
  • Acupuncture
  • Adopted Child's Medical Care
  • Airfare (for Medical Treatments)
  • Alcoholism Treatment
  • Allergy Testing
  • Ambulance Charges
  • Anesthesia

B

  • Braces (Dental)
  • Breastfeeding Classes

C

  • Cancer Screenings
  • Canker Sore Treatment
  • Cataract Surgery
  • Chelation
  • Chiropractic Care
  • Circumcision
  • Co-insurance (Medical, Dental, Vision, Rx)
  • Co-payments (Medical, Dental, Vision, Rx)
  • Corneal keratotomy
  • Counseling for Medical Condition
  • Cryotherapy

D

  • Deductibles (Medical, Dental, Vision, Rx)
  • Dentures
  • Dental Implants
  • Diagnostic Services
  • Doula (medical-related care)
  • Drug Addiction Therapy
  • Drug Sensitivity Testing
  • Dry Needling
  • Dyslexia Therapy

E

  • Emergency Room Visits
  • Eye Exams
  • Eye Surgery

F

  • Face Wash
  • Flu Shots
  • Fluoridation Services
  • Food Sensitivity Testing
  • FSA Approved Services List

G

  • Gender Affirmation Counseling & Surgery
  • Genetic Testing
  • Guide Dog Expenses

H

  • Health Screenings
  • Heart Disease Screenings
  • Heart Rate Monitors
  • Home Health Care
  • Hospital Fees
  • Hysterectomy

I

  • Immunizations
  • Infertility Treatments

J


K


L

M

  • Mammogram
  • Meals at a hospital
  • Midwife Services
  • Mileage to and from a medical service
  • 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
  • Online Medical Consultations
  • Operation (Medical)
  • Optometrist
  • Ophthalmologist
  • Organ Donation and Transplant
  • Orthodontist
  • Osteopath Costs

P

  • Phototherapy
  • Physical Exams
  • Physical Therapy (Rehab) Visits
  • Prosthesis
  • Psychiatric Care
  • Psychoanalysis
  • Psychologist Fees

Q


R

  • Radial Keratotomy Correction
  • Refraction Exam
  • Rental Costs for Medical Equipment

S

  • Sales Tax, Shipping Fees (for approved expenses)
  • Sleep Deprivation Therapy
  • Somnoplasty
  • Snoreplasty
  • Speech Therapy
  • Sterilization
  • Stop Smoking Programs
  • Substance Abuse Therapy
  • Surgery

T

  • Taxes on Approved Expenses
  • Telemedicine
  • Transplants
  • Travel Expenses for Medical Care

U

  • Ultrasound (Medical)

V

  • Vaccinations
  • Vasectomy
  • Vaseline (Healing)
  • Viagra
  • Vision Screenings

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

C


D

E

F

G


H

  • Hair Growth Products
  • Hair Dyes
  • Hair Removal
  • Hair Transplants
  • Hand Lotions
  • Humidifiers

I

J


K


L

M

N

O


P

Q

R

S

T

U


V

W

X


Y

  • Yoga

Z

  • Zinc

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.

← Go back