Eligible HSA Expenses

Examples of eligible HSA expenses are listed here to help you use your new HSA account.

Qualified Medical Expenses ARE:
The Internal Revenue Service defines qualified medical care expenses as amounts paid for the diagnosis, cure, or treatment of a disease, and for treatments affecting any part or function of the body. The expenses must be primarily to alleviate a physical or mental defect or illness.

The products and services listed below are examples of medical expenses eligible for payment under your Health Savings Account, when such services are not covered by your High Deductible Health Plan. This list is not all-inclusive; additional expenses may qualify, and the items listed below are subject to change in accordance with IRS regulations.
Please refer to IRS Publication 502 Medical and Dental Expenses for a complete description of eligible medical and dental expenses.

• Abortion
• Acupuncture
• Alcoholism treatment, including meals, lodging, and transportation
• Ambulance service
• Artificial limbs & teeth
• Bandages
• Birth control pills
• Braille books/magazines
• Breast reconstruction surgery following mastectomy
• Car modifications – if for a physically handicapped person
• Capital expenses (modifying a home for handicapped accessibility)
• Chiropractor
• Contact lenses – also materials & equipment, such as saline and enzyme cleaner
• Crutches
• Dental treatment, except for teeth whitening
• Diagnostic items/services, such as blood sugar test kits
• Disabled dependent care services
• Drug addiction treatment, including meals and lodging
• Eye Examinations & glasses
• Eye Surgery, including radial keratotomy
• Fertility enhancement, such as in vitro or reverse vasectomy (some treatments excluded)
• Fluoridation device or services
• Guide dog/Other animal aid
• HMO (Health Maintenance Organization)
• Hearing aids
• Home care/nursing services
• Hospital services, including meals and lodging
• Insurance premiums (with some exceptions)
• Laboratory fees
• Language training
• Laser eye surgery/Lasik
• Learning disability
• Lifetime care advance payments for a private institution or retirement home
• Long term insurance care & services (some)
• Meals (treatment-related, with restrictions)
• Medicare Parts A , B and D
• Medicines (prescribed)
• Mentally retarded person’s special housing, as recommended by a psychiatrist
• Nursing home – only if there for medical reasons
• Nursing services provided by a nurse or attendant
• Optometrist
• Organ donors/transplants
• Orthodontia
• Osteopath fees
• OTC Drugs such as allergy medication, cold medicine and pain relievers
• Oxygen
• Prosthesis
• Psychiatric care (including costs for residential care)
• Psychoanalysis, except those sessions as part of required training to become a psychoanalyst
• Psychologist
• Sleep aides
• Special education
• Sterilization procedures
• Stop-smoking programs – cannot include non-prescribed drugs, such as nicotine patches or gum
• Surgery
• Telephone or television modifications (for disability)
• Therapy, including “patterning” exercises for a mentally retarded child
• Transplants
• Transportation (treatment-related), including bus, taxi, train, and gas/oil
• Tuition for special needs program
• Vasectomy
• Vision Correction
• Weight loss program/foods – if prescribed by a physician
• Wheelchair/Wheelchair maintenance
• Wigs
• X-ray

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