Eligible Medical Expenses

Available HSA funds are payable on demand. There are no restrictions on when or how you use funds. However, to fully recognize the tax advantages, funds must be used for qualified medical expenses.

To be considered an eligible medical expense, all over-the-counter medications, except for insulin, require a health care provider's prescription.
  • Abdominal Supports
  • Abortion
  • Acupuncture
  • Air Conditioner*
  • Alcoholism Treatment
  • Ambulance
  • Anesthetist
  • Arch Supports
  • Artificial Limbs
  • Autoette
  • Birth Control Pills*
  • Blood Tests
  • Blood Transfusions
  • Braces
  • Cardiographs
  • Chiropractor
  • Christian Science Practitioner
  • Contact Lenses
  • Contraceptive Devices*
  • Convalescent Home*
  • Crutches
  • Dental Treatment
  • Dental X-rays
  • Dentures
  • Dermatologist
  • Diagnostic Fees
  • Diathermy
  • Drug Addiction Therapy
  • Drugs (prescription)
  • Elastic Hosiery*
  • Fees Paid to Health Institute Prescribed by a Doctor
  • FICA and FUTA Tax Paid for Medical Care Service
  • Organ Transplant (including donor's expenses)
  • Eyeglasses
  • Fluoridation Unit
  • Guide Dog
  • Gum Treatment
  • Gynecologist
  • Healing Services
  • Hearing Aids and Batteries
  • Hospital Bills
  • Hydrotherapy
  • Insulin Treatment
  • Lab Tests
  • Lead paint removal
  • Legal Fees
  • Metabolism Tests
  • Neurologist
  • Nursing (including board and meals)
  • Obstetrician
  • Operating Room Costs
  • Ophthalmologist
  • Optician
  • Optometrist
  • Oral Surgery
  • Orthopedic Shoes
  • Orthopedist
  • Osteopath
  • Oxygen and Oxygen Equipment
  • Pediatrician
  • Physician
  • Physiotherapist
  • Podiatrist
  • Postnatal Treatments
  • Practical Nurse for Medical Services
  • Prenatal Care
  • Prescription Medicines
  • Psychiatrist
  • Psychoanalyst
  • Psychologist
  • Psychotherapy
  • Radium Therapy
  • Special School Costs for the Handicapped
  • Lodging (away from home for outpatient care)
  • Telephone or TV Equipment to Assist the Hard-of-Hearing
  • Registered Nurse
  • Spinal Fluid Test
  • Splints
  • Sterilization
  • Surgeon
  • Therapy Equipment
  • Transportation Expenses (relative to health care)
  • Ultra-Violet Ray Treatment
  • Vaccines
  • Vasectomy
  • Vitamins (if prescribed)
  • Wheelchair
  • X-rays
To be considered an eligible medical expense, all over-the-counter medications, except for insulin, require a health care provider's prescription.
  • Antacids
  • Allergy Medications
  • Pain Relievers Cold
  • Medicine Anti-Diarrhea
  • Sinus Medications and Nasal Sprays
  • Nicotine Medications and Nasal Sprays
  • Pedialyte
  • Wart Removal Medication
  • Antibiotic Ointments
  • Suppositories and Creams for Hemorrhoids
  • Sleep Aids
  • Motion Sickness Pills
  • First Aid Creams
  • Calamine Lotion
  • Medicine Cough Drops and Throat Lozenges
  • Advancement payment for services to be rendered next year
  • Automobile insurance premium allocable to medical coverage
  • Commuting expenses of a disabled person
  • Athletic club membership
  • Boarding school fees
  • Bottled water
  • Specially designed car for the handicapped*
  • Cosmetics, hygiene products and similar items
  • Health programs offered by resort hotels, health clubs, and gyms
  • Cosmetic surgery and procedures
  • Funeral, cremation, or burial expenses
  • Illegal operations and treatments
  • Illegally procured drugs
  • Maternity clothes
  • Non-prescription medication
  • Scientology counseling
  • Social activities
  • Special foods and beverages
  • Stop-smoking programs
  • Swimming pool
  • Travel for general health improvement
  • Tuition and travel expenses for a problem child to a particular school
  • Weight loss programs
  • Premiums for life insurance, income protection, disability, loss of limbs, sight or similar benefits
  • Cosmetics (including face cream and moisturizer)
  • Lip Balm (including chapstick or carmex)
  • Weight Loss Drugs for General Well Being
  • Toiletries (including toothpaste)
  • Acne Treatments
  • Suntan Lotion
  • Dietary Supplements
  • Fiber Supplements
  • Herbs
  • Vitamins (daily)
  • Medicated Shampoos and Soaps
* Conditions apply.
This list is provided with the understanding that our bank is not engaged is rendering tax advice. Use this list as a quick reference. If you need additional information, refer to IRS Publication 502 or contact a tax professional.