Is It FSA or HSA Eligible?

Corrective lenses with frames prescribed by an eye care professional. Includes single vision, bifocal, and progressive lenses.

Soft or rigid gas permeable contact lenses. Includes daily, bi-weekly, and monthly disposable vision correction.

Preservative-free lubricating eye drops (Systane Complete, Refresh Optive, Blink Tears) for relieving dry eye syndrome and ocular irritation.

Sunglasses with corrective prescription lenses. Offers UV protection combined with personalized vision correction.

Laser-assisted in situ keratomileusis corrective refractive surgery for nearsightedness, farsightedness, and astigmatism.

Multi-purpose solution for cleaning, rinsing, disinfecting, and storing soft and rigid contact lenses.

Specialized glasses that filter high-energy visible blue light from screens. Non-prescription pairs require a Letter of Medical Necessity; prescription versions are fully eligible.

Over-the-counter magnifying reading glasses in standard diopter strengths (+1.00 to +3.50) for presbyopia.

Professional prophylaxis cleaning by a licensed dental hygienist and clinical diagnostic examination by a dentist.

Custom clear plastic orthodontic aligners to straighten teeth, correct crossbites, and address malocclusion.

Oral irrigator using pulsating water pressure to remove plaque and debris between teeth and along the gumline.

Rechargeable sonic or oscillating electric toothbrush. General models are personal care; eligible with an LMN for diagnosed dental conditions.

Custom-fitted or boil-and-bite mouth guard designed to prevent tooth wear, jaw pain, and temporomandibular joint (TMJ) strain from grinding.

Bleaching gel trays, whitening strips, and LED dental cosmetic whitening kits.

Over-the-counter nonsteroidal anti-inflammatory drug (NSAID) for headache, muscular aches, toothache, arthritis, and fever.

Over-the-counter analgesic and antipyretic pain reliever for headaches, minor muscle aches, and fever reduction.

Second-generation non-drowsy antihistamines (loratadine, cetirizine, fexofenadine) for hay fever and outdoor seasonal allergies.

Multi-symptom liquid and caplet formulations to treat cough, sore throat, fever, chest congestion, and runny nose.

Over-the-counter cough syrups and caplets formulated with dextromethorphan (cough suppressant) and guaifenesin (mucus thinner).

Glucocorticoid nasal sprays (fluticasone propionate) for multi-symptom 24-hour nasal allergy and congestion relief.

Medicated throat lozenges containing active medicinal ingredients like menthol, benzocaine, or pectin (Cepacol, Halls Relief). Note: Non-medicated drops are ineligible.

Maximum strength topical corticosteroid cream for fast relief of itching from eczema, psoriasis, insect bites, poison ivy, and rash.

Dietary melatonin gummies and tablets. Dietary supplements are excluded under IRS rules unless specifically prescribed with an LMN for diagnosed circadian sleep disruption.

Standard daily multivitamins (Centrum, One A Day) taken for general wellness and vitality without a specific medical diagnosis.

Proton pump inhibitors, H2 blockers, and calcium antacids for frequent heartburn, GERD, and acid indigestion.

Nasal irrigation squeeze bottles, saline solution packets, and ceramic neti pots for cleansing nasal passages from allergens and post-nasal drip.

Antiemetic medications (dimenhydrinate, meclizine) for preventing nausea, dizziness, and motion sickness from car, air, or boat travel.

Salicylic acid liquid treatments, medicated pads, and dimethyl ether cryogenic freeze kits for removing plantar and common warts.

Topical OTC acne treatments containing active medical ingredients like adapalene, salicylic acid, or benzoyl peroxide.

Topical antifungal treatments (clotrimazole, terbinafine, miconazole) for athlete’s foot, jock itch, and ringworm infections.

Pediculicide medicated shampoos (permethrin, piperonyl butoxide) and micro-grooved metal nit removal combs (Nix, Rid).

Waterproof and flexible fabric adhesive strips, sterile wound dressings, and blister bandages (Band-Aid, Curad, Nexcare).

OSHA/ANSI compliant kits containing sterile adhesive bandages, antiseptic wipes, burn cream, trauma scissors, and gauze.

First aid topical ointments containing bacitracin, neomycin, and polymyxin B for preventing infection in minor cuts, scrapes, and burns.

No-touch temporal forehead infrared thermometer or fast digital oral/rectal thermometer for fever detection.

Topical anesthetic sprays containing benzocaine and aloe vera to soothe sunburn, minor thermal burns, insect stings, and scrapes.

Mineral and chemical broad-spectrum sunscreens that protect against UVA and UVB radiation. All SPF 15+ sunscreens are fully FSA eligible.

Menstrual cups, sanitary pads, tampons, and period underwear. Fully eligible without prescription since the 2020 CARES Act.

Postpartum peri bottles, cooling pad liners, medicated witch hazel healing foam, and disposable postpartum underwear designed for labor recovery.

Double electric or wearable breast pumps, collection bottles, storage bags, and replacement valves for expressing milk.

Pre-sterilized double-zipper breastmilk freezing bags and absorbent leak-proof disposable nursing breast pads (Lansinoh, Medela).

High-precision two-decimal digital basal thermometers with Bluetooth syncing designed to track basal temperature shifts for fertility tracking and FDA-cleared birth control.

Rapid diagnostic urine test strips and digital monitors that measure hCG and luteinizing hormone (LH).

100% pure natural medical-grade lanolin ointment (Lansinoh) for soothing and protecting sore, cracked nipples during breastfeeding.

Daily maternal multivitamins formulated with folic acid, iron, calcium, and DHA for preconception, pregnancy, and lactation.

Monthly dues for commercial gyms, fitness facilities, and exercise studios. Not a qualified medical expense on their own — IRS Publication 502 excludes health club dues and amounts paid to improve general health. The widely reported $500/year allowance under the One Big Beautiful Bill Act was removed in the Senate and never became law.

Professional-grade deep tissue percussive therapy device for targeted myofascial release, pain relief, and rapid muscle recovery.

High-end ergonomic task chairs with adjustable lumbar mechanisms (Herman Miller Aeron, Steelcase Gesture). Eligible only for the incremental cost above a standard desk chair with an LMN.

Moist and dry electric heating pads designed to alleviate muscle spasms, arthritis stiffness, and lumbar strain through therapeutic thermotherapy.

Transcutaneous Electrical Nerve Stimulation device providing electrotherapy for drug-free relief of back pain, sciatica, and joint stiffness.

Chilled cold-water immersion tubs for athletic recovery. Dual-purpose luxury item strictly ineligible for routine wellness; requires rigorous medical necessity documentation.

Flexible cold therapy gel packs and compression wraps for sprains, sports injuries, acute joint inflammation, and post-surgical swelling.

Heavy blankets (12–25 lbs) utilizing deep pressure stimulation. Classified as dual-purpose; eligible ONLY with an LMN for diagnosed sensory disorders, anxiety, or severe insomnia.

Drug-free elastic wristbands featuring a plastic stud applying continuous pressure to the P6 (Nei-Kuan) acupressure point to suppress nausea.

Wearable biosensors (Dexcom G7, Abbott FreeStyle Libre 3, Dexcom Stelo) tracking interstitial glucose levels in real time. Prescription models are fully eligible; OTC wellness CGMs require an LMN if used for non-diabetic metabolic tracking.

Smart titanium ring that tracks sleep stages, heart rate variability (HRV), body temperature trends, and recovery metrics.

Smartwatch featuring FDA-cleared ECG app, irregular heart rhythm notifications, blood oxygen tracking, and fall detection.

Continuous Positive Airway Pressure (CPAP / BiPAP) machines, heated tubing, replacement nasal/full-face masks, and particulate filters for treating obstructive sleep apnea.

FDA-regulated direct-to-consumer hearing aids for adults with perceived mild-to-moderate hearing loss (Jabra Enhance, Sony, Lexie, Eargo). Fully eligible without prescription.

Over-the-counter and custom therapeutic insoles (Superfeet, Powerstep, Dr. Scholl’s Custom Fit) designed to alleviate plantar fasciitis, pronation, and arch fatigue.

Screenless wearable health monitor tracking recovery, heart rate variability (HRV), and sleep stages. Classified as dual-purpose wellness tracker; requires physician LMN.

Graduated compression socks (15-20 mmHg and 20-30 mmHg) to improve circulation, reduce lower extremity edema, and alleviate varicose vein discomfort.

FDA-cleared upper arm digital sphygmomanometer with memory storage and irregular heartbeat detection for hypertension tracking.

High-Efficiency Particulate Air filtration unit that removes airborne allergens, mold spores, pet dander, and respiratory irritants.

FDA-cleared blue and red light phototherapy facial device designed to destroy acne-causing bacteria and reduce skin inflammation.

Digital scales measuring body weight, segmental body fat percentage, muscle mass, and vascular age. Eligible with an LMN for medical weight management.

FDA-cleared portable automated external defibrillators designed for immediate home or office response to sudden cardiac arrest (e.g. Philips HeartStart, Cardiac Science).

Button cell zinc-air batteries and charging accessories specifically manufactured to power prescription and OTC hearing aids.

Purchase, training, veterinary care, and feeding of a certified guide dog or service animal required by an individual with visual impairment, hearing impairment, or PTSD.

Ultrasonic room humidifier that adds moisture to the air to relieve chronic dry sinuses, cough, and congestion.

Compact fingertip monitor providing instant blood oxygen saturation (SpO2) and pulse rate readings.

Monthly retainer fee for direct primary care concierge medicine offering unlimited office visits, direct doctor communication, and unhurried appointments. HSA ONLY — up to $150/mo individual / $300/mo family.