What Healthcare Expenses Are Eligible For Reimbursement Under an HSA, FSA, and HRA?
Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and Health Reimbursement Agreement (HRAs) are three common healthcare tools that reimburse you for eligible healthcare expenses.
Which expenses are eligible depends on a variety of factors, including the type of account you have. To help you keep track, the RMHP team put together this HSA, FSA, and HRA eligible expenses list explaining some of the most common and useful expenses.
Please note that items on the list can change based on new regulations and laws. A complete list can be found on the IRS’s website. If you have any questions about whether an expense is reimbursable, it’s always wise to get in touch with your healthcare team.
Eligible medical and dental expenses
Employers determine which healthcare expenses are eligible under an HRA. The IRS details the expenses an HSA or FSA will cover, and here are some of the most interesting items from the master list:
- Acupuncture: Reimbursable
- Birth control: Birth control pills, injections, and devices are reimbursable
- Childbirth classes: Reimbursable, but only for expenses incurred by the mother-to-be. Additionally, the classes need to address specific medical issues, like labor, delivery procedures, breathing techniques, and nursing
- Chiropractor: Reimbursable
- COBRA premiums: Not reimbursable for yourself or dependents under an FSA. Reimbursable with an HSA, and potentially reimbursable under an HRA
- Corrective eye surgery: Radial keratotomy (RK) and Lasik eye surgery are considered reimbursable expenses
- Dental treatment: Reimbursable. Veneers are eligible only if they’re medically necessary, but not for purely cosmetic reasons
- Dependent day care: Not reimbursable with an HSA, FSA, or HRA. However, they may be reimbursable under a dependent care FSA
- Hand sanitizer: Reimbursable, so stock up before cold and flu season is underway
- Hypnotherapy: Reimbursable when prescribed by a physician for treatment of a medical condition
- Invisible Braces: Reimbursable
- Massage: Not reimbursable unless you’re using it to treat a physical illness or defect & a physician's diagnosis letter is required
- Over-the-counter supplies: OTC products are reimbursable without a prescription such as: bandages, hot pads, first aid kits, gauze bandages, home test kits, snakebite kits, and bee sting kits
- Psychiatric and psychologist care: Reimbursable.Scar treatments: Reimbursable.Smoking cessation drugs and programs: Reimbursable, including nicotine patches and gum.
- Sports orthotics: Reimbursable when accompanied by a diagnosis letter from your doctor.Sunscreen with SPF 30+: Reimbursable
- Supplements: Not reimbursable when taken for general wellness, but reimbursable when used to alleviate a specific medical condition with a diagnosis letter from your doctor.
- Vent cleaning: Reimbursable with the account holder’s explanation of necessity as indoor air quality can make a big difference in quality of life, especially if someone in the home has respiratory problems
- Vision care: Optometric services and medical expenses for eyeglasses and contact lenses are all reimbursable, which includes vision exams and expenses for contact lens solutions
- Yoga classes: Surprisingly, yoga classes are a reimbursable expense when yoga is meant to treat a medical condition, but you’ll also need a diagnosis letter from your doctor