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Health Savings Account Expense Eligibility

Below is a comprehensive list of related expenses and their compatibility with your HSA account. This list is for your reference only, some particular items may vary from insurance carrier to insurance carrier. For example, while Blue Shield of California may cover a particular item on this list, Blue Cross may not. Those items have been marked as "Maybe" in orange text. If you have any questions about your HSA account and eligibility regarding a particular item on or off of this list, please feel free to Contact Us through e-mail or give us a call at (530) 895-9368.


Below, you can also sort this list to view only eligible items, to view ineligible items, or to view the items that may vary from carrier to carrier.

Eligible Items Only      Ineligible Items Only      Varying Items Only     Complete Expense List

Eligible Expenses List

01 - Rx (prescription) - Yes
02 - Co-payment (medical) - Yes
03 - Office visit (medical) - Yes
04 - Dental - Yes
05 - Over-the-counter (eligible) - NO (This expense is no longer eligible as of the passage of Health Care Reform)
06 - Vision - Yes
07 - Psych / therapy - Yes
08 - Chiropractic care - Yes
09 - Lab (medical) - Yes
10 - Orthodontia - Yes
11 - Hospital fees - Yes
12 - X-ray (medical) - Yes
13 - Over-the-counter vision products - Yes
14 - Acne treatments (over-the-counter) - Yes
15 - Acupuncture - Yes
16 - Adoption (medical expenses related to) - Yes
17 - Alcoholism treatment - Yes
18 - Allergy & sinus medicine and products (over-the-counter) - Yes
19 - Allergy medication (prescription) - Yes
20 - Ambulance and emergency health services - Yes
21 - Anesthesia (for non-cosmetic purposes) - Yes
22 - Antacid (over-the-counter) - Yes
23 - Antibiotic ointment (over-the-counter) - Yes
24 - Aspirin or other pain reliever (over-the-counter) - Yes
25 - Asthma medicines or treatments (over-the-counter) - Yes
26 - Athletic treatments/braces - Yes
27 - Bandages and related items (over-the-counter) - Yes
28 - Birth control (over-the-counter) - Yes
29 - Birth control (prescription or other) - Yes
30 - Blood pressure monitor - Yes
31 - Blood sugar test kits and test strips - Yes
32 - Body scans - Yes
33 - Breast reconstruction surgery following mastectomy - Yes
34 - Canker & cold sore treatments (over-the-counter) - Yes
35 - Chest rubs (over-the-counter) - Yes
36 - Childbirth classes - Yes
37 - Chiropractic care - Yes
38 - Chiropractic office visit or treatment - Yes
39 - Christian Science practitioners - Yes
40 - COBRA premiums (dental) - Yes
41 - COBRA premiums (medical) - Yes
42 - COBRA premiums (other) - Yes
43 - COBRA premiums (prescription) - Yes
44 - COBRA premiums (vision) - Yes
45 - Co-insurance (dental) - Yes
46 - Co-insurance (medical) - Yes
47 - Co-insurance (prescription) - Yes
48 - Co-insurance (vision) - Yes
49 - Cold & flu medicine (over-the-counter) - Yes
50 - Compression or anti-embolism socks, stockings or hose - Yes
51 - Concierge medical fees (billed for actual services received) - Yes
52 - Condoms and spermicides - Yes
53 - Contact lenses, cleaning solutions, etc. - Yes
54 - Contraceptives (prescription or over-the-counter) - Yes
55 - Co-payment (dental) - Yes
56 - Co-payment (medical) - Yes
57 - Co-payment (other) - Yes
58 - Co-payment (vision) - Yes
59 - Corn and callus remover (over-the-counter) - Yes
60 - Corneal keratotomy - Yes
61 - Cough drops & sore throat lozenges (over-the-counter) - Yes
62 - Cough syrup (over-the-counter) - Yes
63 - Counseling (for treatment of a medical condition) - Yes
64 - Crutches, canes or like equipment (purchase or rental) - Yes
65 - Deductible for dental plan - Yes
66 - Deductible for medical plan - Yes
67 - Deductible for prescription plan - Yes
68 - Deductible for vision plan - Yes
69 - Dental care - Yes
70 - Dental co-insurance - Yes
71 - Dental co-payment - Yes
72 - Dental insurance or plan premiums - Yes
73 - Dental reconstruction - Yes
74 - Dentures, bridges, etc. - Yes
75 - Diabetic monitor, test kits, strips and supplies - Yes
76 - Diagnostic services - Yes
77 - Diaper Rash Ointments and Creams - Yes
78 - Drug addiction treatment - Yes
79 - Drugs (prescription) - Yes
80 - Dyslexia treatment - Yes
81 - Ear drops & wax removal (over-the-counter) - Yes
82 - Eye examinations - Yes
83 - Eye related equipment/materials - Yes
84 - Eye surgery or treatment to correct vision - Yes
85 - Eyeglasses (over-the-counter) - Yes
86 - Eyeglasses (prescription) - Yes
87 - Fertility monitor (over-the-counter) - Yes
88 - Fertility treatment (for employee, spouse or dependent) - Yes
89 - First aid kits (over-the-counter) - Yes
90 - Flu shots - Yes
91 - Gastrointestinal medication (over-the-counter) - Yes
92 - Guide dog (dog, training, care) - Yes
93 - Health insurance or plan premiums - Yes
94 - Hearing aids and batteries - Yes
95 - Hospital fees - Yes
96 - Hospital services - Yes
97 - Immunizations - Yes
98 - Incontinence supplies - Yes
99 - Individual dental plan premiums - Yes
100 - Individual medical plan premiums - Yes
101 - Individual plan premiums - Yes
102 - Individual prescription plan premiums - Yes
103 - Individual vision plan premiums - Yes
104 - Infertility treatment (for employee, spouse or dependent) - Yes
105 - Insulin, testing materials and supplies - Yes
106 - Laboratory fees - Yes
107 - Lactose intolerance (over-the-counter) - Yes
108 - Lamaze classes - Yes
109 - Laser eye surgery - Yes
110 - Lasik - Yes
111 - Laxatives (over-the-counter) - Yes
112 - Learning disability treatments - Yes
113 - Lice treatment (over-the-counter) - Yes
114 - Listening therapy - Yes
115 - Long term care premiums (up to IRS tax-free limit, see IRS Publication 502) - Yes
116 - Long term care services - Yes
117 - Mastectomy-related special bras - Yes
118 - Medical abortion - Yes
119 - Medical co-insurance - Yes
120 - Medical co-payment - Yes
121 - Medical equipment (for treatment of medical condition) and repairs - Yes
122 - Medical insurance or plan premiums - Yes
123 - Medical monitoring and testing devices - Yes
124 - Medical records charges - Yes
125 - Medical supplies (for treatment of a medical condition) - Yes
126 - Medicare alternative insurance or plan premiums - Yes
127 - Medicare Part B premiums - Yes
128 - Medicines (over-the-counter) - Yes
129 - Medicines (prescription) - Yes
130 - Midwife - Yes
131 - Mileage ($.27 per documented mile, to/from eligible health care) - Yes
132 - Monitors & test kits (over-the-counter) - Yes
133 - Motion & nausea - Yes
134 - Nasal sprays - Yes
135 - Nasal strips (over-the-counter) - Yes
136 - No show fees charged by health care provider - Yes
137 - Non-prescription drugs and medicines (for non-cosmetic purposes) - Yes
138 - Norplant insertion or removal - Yes
139 - Nursing services (wages and taxes) - Yes
140 - OB/GYN fees - Yes
141 - Occlusal guards to prevent teeth grinding - Yes
142 - Occupational therapy (related to a medical condition or disability) - Yes
143 - Office visits (chiro) - Yes
144 - Office visits (dental) - Yes
145 - Office visits (medical) - Yes
146 - Office visits (psych/therapy) - Yes
147 - Office visits (vision) - Yes
148 - Operations (for non-cosmetic purposes) - Yes
149 - Optometrist / ophthalmologist fees - Yes
150 - Organ transplants (recipient and donor) - Yes
151 - Ortho keratotomy - Yes
152 - Orthodontia (braces and retainers) - Yes
153 - Orthopedic & surgical supports - Yes
154 - Over-the-counter acne treatments - NO (This expense is no longer eligible as of the passage of Health Care Reform)
155 - Over-the-counter allergy & sinus medicine - NO (This expense is no longer eligible as of the passage of Health Care Reform)
156 - Over-the-counter antacid - NO (This expense is no longer eligible as of the passage of Health Care Reform)
157 - Over-the-counter antibiotic ointment - NO (This expense is no longer eligible as of the passage of Health Care Reform)
158 - Over-the-counter aspirin or other pain reliever - NO (This expense is no longer eligible as of the passage of Health Care Reform)
159 - Over-the-counter asthma medicines or treatments - NO (This expense is no longer eligible as of the passage of Health Care Reform)
160 - Over-the-counter bandages and related items - NO (This expense is no longer eligible as of the passage of Health Care Reform)
161 - Over-the-counter canker & cold sore treatments - NO (This expense is no longer eligible as of the passage of Health Care Reform)
162 - Over-the-counter chest rubs - NO (This expense is no longer eligible as of the passage of Health Care Reform)
163 - Over-the-counter cold & flu medicine - NO (This expense is no longer eligible as of the passage of Health Care Reform)
164 - Over-the-counter cold & flu prevention - NO (This expense is no longer eligible as of the passage of Health Care Reform)
165 - Over-the-counter cough drops & sore throat lozenges - NO (This expense is no longer eligible as of the passage of Health Care Reform)
166 - Over-the-counter cough syrup - NO (This expense is no longer eligible as of the passage of Health Care Reform)
167 - Over-the-counter (eligible medical) - NO (This expense is no longer eligible as of the passage of Health Care Reform)
168 - Over-the-counter health care products (eligible) - Yes
169 - Over-the-counter medication - NO (This expense is no longer eligible as of the passage of Health Care Reform)
170 - Over-the-counter motion sickness - NO (This expense is no longer eligible as of the passage of Health Care Reform)
171 - Over-the-counter sleep aids and sedatives - NO (This expense is no longer eligible as of the passage of Health Care Reform)
172 - Over-the-counter oral and teething pain - NO (This expense is no longer eligible as of the passage of Health Care Reform)
173 - Over-the-counter products for dental ailments - Yes
174 - Over-the-counter vision products - Yes
175 - Ovulation monitor (over-the-counter) - Yes
176 - Oxygen - Yes
177 - Pain reliever (over-the-counter) - Yes
178 - Physical exams - Yes
179 - Physical therapy - Yes
180 - Pregnancy tests (over-the-counter) - Yes
181 - Prescription co-insurance - Yes
182 - Prescription co-payment - Yes
183 - Prescription drugs (for non-cosmetic purposes) - Yes
184 - Prescription insurance or plan premiums - Yes
185 - Prosthesis - Yes
186 - Psychiatric care - Yes
187 - Psychoanalysis - Yes
188 - Psychologist fees - Yes
189 - Radial keratotomy (RK) - Yes
190 - Reading glasses (over the counter) - Yes
191 - Removal of benign mole, cyst or tumor - Yes
192 - Sales tax, shipping and handling fees (for any eligible expenses on this list) - Yes
193 - Smoking cessation (programs / counseling) - Yes
194 - Smoking cessation drugs (prescription) - Yes
195 - Smoking cessation gum or patches (over-the-counter) - Yes
196 - Speech therapy - Yes
197 - Sterilization - Yes
198 - Student health fees billed for services actually received (dental services) - Yes
199 - Student health fees billed for services actually received (for medical services) - Yes
200 - Student health fees billed for services actually received (prescriptions) - Yes
201 - Student health fees billed for services actually received (vision services) - Yes
202 - Sunburn creams and ointments (ex., Solarcaine) - Yes
203 - Sunglasses (prescription) - Yes
204 - Sunscreen (over-the-counter; with SPF 30 or higher) - Yes
205 - Surgery (for non-cosmetic purposes) - Yes
206 - Teeth grinding prevention devices - Yes
207 - Therapy (for treatment of a medical condition) - Yes
208 - Toothache and Teething Pain Relievers - Yes
209 - Tubal ligation - Yes
210 - Urological products - Yes
211 - Vaccinations - Yes
212 - Varicose vein removal surgery - Yes
213 - Vasectomy - Yes
214 - Viagra and similar prescription medications - Yes
215 - Vision co-insurance - Yes
216 - Vision co-payment - Yes
217 - Vision insurance or plan premiums - Yes
218 - Vitamins (prescription) - Yes
219 - Walking Aid - Yes
220 - Wart Removal Treatments - Yes
221 - Wheelchair, accessories and repairs - Yes
222 - Wound care (over-the-counter) - Yes
223 - X-ray fees (dental) - Yes
224 - X-ray fees (medical) - Yes


For more information on HSA’s and how they can benefit your company contact AVI Services, Inc. or visit this link for a complete overview by the Department of Treasury.