FSA Eligible Expenses

Below is a listing of items that are typically covered. Click on the WageWorks logo above and enter your User Name and Password to see your employer's complete list of eligible expenses.

Standard FSA = The type of plan offered by most employers, it covers your medical, dental, vision and pharmacy expenses. Having this type of FSA disqualifies you from contributing to an HSA.

HSA-Compatible (or Limited) FSA = A new type of FSA designed for people who want to take advantage of and contribute to an HSA and who have expected dental and vision expenses. Because this plan does not cover any medical or pharmacy expenses, it does not disqualify you from contributing to an HSA. Participating in this plan lets you put all the money you can into an HSA and then all the money you need to spend this year on dental and vision expenses in an FSA - so you get the advantages of both programs.

Click on a letter to view expenses that begin with that letter.

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Standard
FSA
HSA-Compatible
FSA
01 - Rx (prescription)
Yes
No
02 - Co-payment (medical)
Yes
No
03 - Office visit (medical)
Yes
No
04 - Dental
Yes
Yes
05 - Over-the-counter (eligible)
Yes
No
06 - Vision
Yes
Yes
07 - Psych / therapy
Yes
No
08 - Chiropractic care
Yes
No
09 - Lab (medical)
Yes
No
10 - Orthodontia
Yes
Yes
11 - Hospital fees
Yes
No
12 - X-ray (medical)
Yes
No
Acne treatments (over-the-counter)
Yes
No
Acupuncture
Yes
No
Adoption (medical expenses related to)
Yes
No
Adoption fees
No
No
Alcoholism treatment
Yes
No
Allergy & sinus medicine and products (over-the-counter)
Yes
No
Allergy medication (prescription)
Yes
No
Allergy treatments
Yes
No
Alternative dietary supplements (for treatment of a medical condition)
Maybe
No
Alternative drugs and medicines (for treatment of a medical condition)
Maybe
No
Alternative healers (for treatment of a medical condition)
Maybe
No
Ambulance and emergency health services
Yes
No
Anesthesia (for non-cosmetic purposes)
Yes
No
Antacid (over-the-counter)
Yes
No
Antibiotic ointment (over-the-counter)
Yes
No
Aspirin or other pain reliever (over-the-counter)
Yes
No
Asthma medicines or treatments (over-the-counter)
Yes
No
Bandages and related items (over-the-counter)
Yes
No
Birth control (over-the-counter)
Yes
No
Birth control (prescription or other)
Yes
No
Blood pressure monitor
Yes
No
Body scans
Yes
No
Braille books and magazines (difference in cost only)
Maybe
Maybe
Breast pump (to compensate for a medical condition)
Maybe
No
Breastfeeding classes
No
No
Canker & cold sore treatments (over-the-counter)
Yes
No
Chest rubs (over-the-counter)
Yes
No
Child or newborn care instruction
No
No
Childbirth classes
Yes
No
Chiropractic office visit or treatment
Yes
No
Christian Science practitioners
Yes
No
COBRA premiums (dental)
No
No
COBRA premiums (medical)
No
No
COBRA premiums (other)
No
No
COBRA premiums (prescription)
No
No
COBRA premiums (vision)
No
No
Co-insurance (dental)
Yes
Yes
Co-insurance (medical)
Yes
No
Co-insurance (prescription)
Yes
No
Co-insurance (vision)
Yes
Yes
Cold & flu medicine (over-the-counter)
Yes
No
Cold cream (over-the-counter)
No
No
Compression or anti-embolism socks, stockings or hose
Yes
No
Condoms and spermicides
Yes
No
Contact lenses, cleaning solutions, etc.
Yes
Yes
Contraceptives (prescription or over-the-counter)
Yes
No
Co-payment (dental)
Yes
Yes
Co-payment (medical)
Yes
No
Co-payment (other)
Yes
No
Co-payment (vision)
Yes
Yes
Cord blood storage (for future treatment of a birth defect or known medical condition)
Maybe
No
Cord blood storage (for unidentified future use)
No
No
Corneal keratotomy
Yes
Yes
Cosmetic surgery
No
No
Cough drops & sore throat lozenges (over-the-counter)
Yes
No
Cough syrup (over-the-counter)
Yes
No
Counseling (for treatment of a medical condition)
Yes
No
CPR classes (adult or child)
No
No
Crutches, canes or like equipment (purchase or rental)
Yes
No
Dancing lessons (for treatment of a medical condition)
Maybe
No
Deductible for dental plan
Yes
Yes
Deductible for medical plan
Yes
No
Deductible for prescription plan
Yes
No
Deductible for vision plan
Yes
Yes
Dental care (for non-cosmetic purposes)
Yes
Yes
Dental co-insurance
Yes
Yes
Dental co-payment
Yes
Yes
Dental insurance or plan premiums (if you are receiving state or federal unemployment benefits OR if you are age 65 or older)
No
No
Dental products (for treatment of a dental condition, not general health)
Maybe
Maybe
Dental reconstruction
Yes
Yes
Dental veneers
Maybe
Maybe
Dentures, bridges, etc.
Yes
Yes
Diabetic monitor
Yes
No
Diagnostic services
Yes
No
Dietary supplements (for treatment of a medical condition)
Maybe
No
Drug addiction treatment
Yes
No
Drugs (experimental or imported)
No
No
Drugs (prescription)
Yes
No
Dyslexia treatment
Yes
No
Ear drops & wax removal (over-the-counter)
No
No
Educational classes or tuition
No
No
Electrolysis
No
No
Emergency kits (over-the-counter)
No
No
Exercise equipment (for treatment of a medical condition)
Maybe
No
Eye examinations
Yes
Yes
Eye related equipment/materials
Yes
Yes
Eye surgery or treatment to correct vision
Yes
Yes
Eyeglasses (over-the-counter)
Yes
Yes
Eyeglasses (prescription)
Yes
Yes
Face lifts
No
No
Fertility monitor (over-the-counter)
Yes
No
Fertility treatment (for employee, spouse or dependent)
Yes
No
Fertility treatment (for non-dependent surrogate)
No
No
First aid kits (over-the-counter)
No
No
Fitness programs
No
No
Flu shots
Yes
No
Funeral expenses
No
No
Gastrointestinal medication (over-the-counter)
Yes
No
Guide dog (dog, training, care)
Yes
Yes
Hair regrowth products
No
No
Hair removal
No
No
Hair transplant
No
No
Hair treatments
No
No
Hand lotion (over-the-counter)
No
No
Health club dues
No
No
Health insurance or plan premiums (if you are receiving state or federal unemployment benefits OR if you are age 65 or older)
No
No
Health savings account (HSA) contributions
No
No
Hearing aids and batteries
Yes
No
Herbal or homeopathic medicines (over-the-counter)
No
No
Hospital services
Yes
No
Household help
No
No
Illegal operations or substances
No
No
Immunizations
Yes
No
Individual dental plan premiums (if you are receiving state or federal unemployment benefits OR if you are age 65 or older)
No
No
Individual medical plan premiums (if you are receiving state or federal unemployment benefits OR if you are age 65 or older)
No
No
Individual plan premiums (if you are receiving state or federal unemployment benefits OR if you are age 65 or older)
No
No
Individual prescription plan premiums (if you are receiving state or federal unemployment benefits OR if you are age 65 or older)
No
No
Individual vision plan premiums (if you are receiving state or federal unemployment benefits OR if you are age 65 or older)
No
No
Infertility treatment (for employee, spouse or dependent)
Yes
No
Insulin, testing materials and supplies
Yes
No
Insurance or health plan premiums (if you are receiving state or federal unemployment benefits OR if you are age 65 or older)
No
No
Laboratory fees
Yes
No
Lactose intolerance (over-the-counter)
Yes
No
Lamaze classes
Yes
No
Laser eye surgery
Yes
Yes
Lasik
Yes
Yes
Late payment fees charged by health care provider
No
No
Laxatives (over-the-counter)
Yes
No
Learning disability treatments
Yes
No
Lice treatment (over-the-counter)
Yes
No
Listening therapy
Yes
No
Lodging (essential to receive medical care)
Maybe
No
Long term care premiums (up to IRS tax-free limit, see IRS Publication 502)
No
No
Long term care services
No
No
Magnetic therapy (over-the-counter)
No
No
Marriage counseling
No
No
Massage therapy (for treatment of a medical condition)
Maybe
No
Mastectomy-related special bras
Yes
No
Maternity clothes
No
No
Medical abortion
Yes
No
Medical co-insurance
Yes
No
Medical co-payment
Yes
No
Medical equipment (for treatment of medical condition) and repairs
Yes
No
Medical insurance or plan premiums (if you are receiving state or federal unemployment benefits OR if you are age 65 or older)
No
No
Medical literature, books, pamphlets or audio
No
No
Medical monitoring and testing devices
Yes
No
Medical records charges
Yes
No
Medical savings account (MSA) contributions
No
No
Medical supplies (for treatment of a medical condition)
Maybe
No
Medicare alternative insurance or plan premiums (vs. Part A & Part B, if you are receiving state or federal unemployment benefits OR if you are age 65 or older)
No
No
Medicare Part B premiums (if you are receiving state or federal unemployment benefits OR if you are age 65 or older)
No
No
Medicare supplement policy premiums
No
No
Medicines (over-the-counter)
Yes
No
Medicines (prescription)
Yes
No
Mileage ($.20 per documented mile for travel to/from eligible health care in 2007, $.19 per documented mile for travel to/from eligible health care in 2008)
Yes
No
Modified equipment (difference in cost only)
Maybe
No
Monitors & test kits (over-the-counter)
Yes
No
Motion & nausea
Yes
No
Nasal sprays
Yes
No
Nasal strips (over-the-counter)
No
No
No show fees charged by health care provider
No
No
Non-prescription drugs and medicines (for non-cosmetic purposes)
Yes
No
Norplant insertion or removal
Yes
No
Nursing services (wages and taxes)
Yes
No
Nutritional supplements (for treatment of a medical condition)
Maybe
No
OB/GYN fees
Yes
No
Occlusal guards to prevent teeth grinding
Yes
Yes
Occupational therapy (related to a medical condition or disability)
Yes
No
Office visits (chiro)
Yes
No
Office visits (dental)
Yes
Yes
Office visits (medical)
Yes
No
Office visits (psych/therapy)
Yes
No
Office visits (vision)
Yes
Yes
Operations (for non-cosmetic purposes)
Yes
No
Optometrist / ophthalmologist fees
Yes
Yes
Oral care (over-the-counter)
No
No
Organ transplants (recipient and donor)
Yes
No
Ortho keratotomy
Yes
Yes
Orthodontia (braces and retainers)
Yes
Yes
Over-the-counter acne treatments
Yes
No
Over-the-counter allergy & sinus medicine
Yes
No
Over-the-counter antacid
Yes
No
Over-the-counter antibiotic ointment
Yes
No
Over-the-counter aspirin or other pain reliever
Yes
No
Over-the-counter asthma medicines or treatments
Yes
No
Over-the-counter bandages and related items
Yes
No
Over-the-counter canker & cold sore treatments
Yes
No
Over-the-counter chest rubs
Yes
No
Over-the-counter cold & flu medicine
Yes
No
Over-the-counter cold & flu prevention
Yes
No
Over-the-counter cold cream
No
No
Over-the-counter cough drops & sore throat lozenges
Yes
No
Over-the-counter cough syrup
Yes
No
Over-the-counter health care products (eligible)
Yes
No
Over-the-counter health care products (not eligible)
No
No
Over-the-counter medication
Yes
No
Over-the-counter products for dental ailments
Yes
No
Over-the-counter products for general dental care
No
No
Over-the-counter vision products
Yes
No
Ovulation monitor (over-the-counter)
Yes
No
Oxygen
Yes
No
Pain reliever (over-the-counter)
Yes
No
Personal use items (toothbrush, toothpaste, etc.)
No
No
Physical exams
Yes
No
Physical therapy
Yes
No
Physician retainer fee (for on-call or concierge services)
No
No
Pregnancy tests (over-the-counter)
Yes
No
Prescription co-insurance
Yes
No
Prescription co-payment
Yes
No
Prescription drugs (for non-cosmetic purposes)
Yes
No
Prescription drugs for cosmetic purposes
No
No
Prescription drugs for hair regrowth
No
No
Prescription insurance or plan premiums (if you are receiving state or federal unemployment benefits OR if you are age 65 or older)
No
No
Propecia (for treatment of a medical condition)
Maybe
No
Prosthesis
Yes
No
Psychiatric care
Yes
No
Psychoanalysis
Yes
No
Psychologist fees
Yes
No
Radial keratotomy (RK)
Yes
Yes
Reading glasses (over the counter)
Yes
No
Reconstructive surgery (following accident or medical procedure or condition)
Maybe
No
Removal of benign mole, cyst or tumor
Yes
No
Retainer fee (to physician for on-call or concierge services)
No
No
Retin-A (for non-cosmetic purposes)
Maybe
No
Rogaine or other hair regrowth medications (even if prescribed)
No
No
Smoking cessation (programs / counseling)
Yes
No
Smoking cessation drugs (prescription)
Yes
No
Smoking cessation gum or patches (over-the-counter)
Yes
No
Special equipment
Maybe
No
Special foods (gluten-free, salt-free or other for treatment of a medical condition)
Maybe
No
Special school (for mental and physical disabilities)
Maybe
No
Speech therapy
Yes
No
Sterilization
Yes
No
Student health fees (for dental services)
No
No
Student health fees (for medical services)
No
No
Student health fees (for prescriptions)
No
No
Student health fees (for vision services)
No
No
Sunglasses (over-the-counter)
No
No
Sunglasses (prescription)
Yes
Yes
Sunscreen (over-the-counter)
No
No
Supplies (for treatment of a medical condition)
Maybe
No
Surgery (for non-cosmetic purposes)
Yes
No
Swimming lessons (for treatment of a medical condition)
Maybe
No
Teeth bleaching or whitening
No
No
Teeth grinding prevention devices
Yes
Yes
Therapy (for treatment of a medical condition)
Yes
No
Toothpaste, toothbrush, floss
No
No
Transgender treatments / surgery
No
No
Transportation, parking and related travel expenses (essential to receive medical care)
Maybe
No
Tubal ligation
Yes
No
Tuition or educational classes
No
No
UV protection clothing
No
No
Vaccinations
Yes
No
Varicose vein removal surgery
Yes
No
Vasectomy
Yes
No
Viagra and similar prescription medications
Yes
No
Vision co-insurance
Yes
Yes
Vision co-payment
Yes
Yes
Vision insurance or plan premiums (if you are receiving state or federal unemployment benefits OR if you are age 65 or older)
No
No
Vitamins (over-the-counter, for general health purposes)
No
No
Vitamins (prescription)
Yes
No
Weight loss counseling
Maybe
No
Weight loss foods
No
No
Weight loss program (to improve or maintain general health)
No
No
Weight loss program or drugs (for treatment of a medical condition)
Maybe
No
Wheelchair and repairs
Yes
No
X-ray fees (dental)
Yes
Yes
X-ray fees (medical)
Yes
No