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  Health Saving Accounts - Health Savings Accounts Eligible Expenses

213(d) Eligible Expenses 


The following is a summary of medical expenses that are eligible for HSA reimbursement. For more information, please refer to
IRS publication 502. You can order a copy of publication 502 by calling 1-800-TAX-FORM (1-800-829-3676).

Medical services fees (from doctors, dentists, surgeons, specialists, and other medical practitioners)

Prescription medicines (those requiring a prescription by a doctor for their use by an individual) and insulin Oxygen equipment and oxygen Hospital services fees (lab work, therapy, nursing services, surgery, etc.)

Special items (artificial limbs, false teeth, eyeglasses, contact lenses, hearing aids, crutches, wheelchairs, etc.)

Expenses of an organ donor

Meals and lodging provided by a hospital during medical treatment

Wages for nursing services
(see Publication 502)

Social Security tax for worker-provided medical
care (see Publication 926) 

Psychiatric care at a specially equipped medical center (includes meals and lodging)

Capital expenses for equipment or improvements to your home needed for medical care (see Publication 502)

Special school or home for mentally or physically disabled persons (see Publication 502)

Transportation for needed medical care (see Publication 502)

Treatment at a drug or alcohol center (includes meals and lodging provided by the center)

Legal operation to prevent having children

Cost and care of guide dogs or other animals aiding the blind, deaf, and disabled

Cost of lead-based paint removal (see Publication 502)

NOTE: Health insurance premium may be allowed by 213(d), but the HSA law limits these to specific circumstances (see below). 

QUICK REFERENCE:

Acupuncture
Artificial Limbs
Artificial Teeth
Birth Control
Braces
Braille
Books/Mag.
Blood
Transfusions
Cardiographs
Chiropractors
Contact Lenses
Crutches
Dental Treatment
Dentures
Dermatologist 
Diagnostic Fees
Eyeglasses
Guide Dog
Hearing Aids
Hospital Service
Insulin
Treatments
Laboratory Fees
Learning
Disability
Medicine
Services
Neurologist
Nursing Home 
Nursing Services
Obstetrician
Operating Room
Costs
Operations
Ophthalmologist
Optician
Optometrist
Orthopedist
Osteopath
Oxygen 
Pediatrician
Physician
Physiotherapist
Podiatrist
Postnatal
Treatment
Prenatal Care
Prescription
Medicine
Psychiatric Care
Psychoanalysis
Psychologist
Sterilization
Transplants
Vaccines
Vasectomy
Wheelchair
X-Ray 



213(d) Ineligible Expenses 

The following is a summary of medical expenses that are not eligible for HSA reimbursement. For more information, please refer to
IRS publication 502. You can order a copy of publication 502 by calling 1-800-TAX-FORM (1-800-829-3676).

Surgery for purely cosmetic reasons.

Expenses for your general health (even if following your doctor’s advice) such as:

- Health club dues 
- Household help (even if recommended by a doctor)
- Social activities, such as dancing or swimming lessons
- Stop smoking programs
- Trip for general health improvement
- Weight loss program
Diaper service
Funeral, burial, or cremation expense
Illegal operation or treatment 
Life insurance or income protection policies, or policies providing payment for loss of life, limb, sight, etc.

Maternity Clothes

Medical insurance included in a care insurance policy

Medicine you buy without a prescription

Nursing care for a healthy baby

Toothpaste, toiletries, cosmetics, etc.

Most health insurance premiums

NOTE: HSA funds may be used to pay health insurance premiums for:

1) Qualified long-term care insurance; or

2) Health insurance while you:

(a) are receiving unemployment compensation;
or 

(b) are entitled to federal or state health insurance
continuation, such as COBRA.



QUICK REFERENCE:

Advanced payment for services rendered next year
Baby-Sitting -- ChildCare
Bottled Water
Cosmetic Surgery
Dancing Lessons
Diaper Service 


The IRS link here is a great resource for further information into the tax status and workings of the qualified HSA account.  We are also compiling a list of helpful resources
here at our FAQ's sheet.

email us here with your questions

or call:

866/444-3332

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