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



Complete Expenses List

01 - Rx (prescription) - Yes
02 - Co-payment (medical) - Yes
03 - Office visit (medical) - Yes
04 - Dental - Yes
05 - Over-the-counter (eligible) - Yes
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 - Adoption fees - No
18 - Alcoholism treatment - Yes
19 - Allergy & sinus medicine and products (over-the-counter) - Yes
20 - Allergy medication (prescription) - Yes
21 - Allergy treatment products - Maybe
22 - Alternative dietary supplements (for treatment of a medical condition) - Maybe
23 - Alternative drugs and medicines (for treatment of a medical condition) - Maybe
24 - Alternative healers (for treatment of a medical condition) - Maybe
25 - Ambulance and emergency health services - Yes
26 - Anesthesia (for non-cosmetic purposes) - Yes
27 - Antacid (over-the-counter) - Yes
28 - Antibiotic ointment (over-the-counter) - Yes
29 - Aspirin or other pain reliever (over-the-counter) - Yes
30 - Asthma medicines or treatments (over-the-counter) - Yes
31 - Athletic treatments/braces - Yes
32 - Bandages and related items (over-the-counter) - Yes
33 - Birth control (over-the-counter) - Yes
34 - Birth control (prescription or other) - Yes
35 - Blood pressure monitor - Yes
36 - Blood sugar test kits and test strips - Yes
37 - Body scans - Yes
38 - Braille books and magazines (difference in cost only) - Maybe
39 - Breast pump (to compensate for a medical condition) - Maybe
40 - Breast feeding classes - No
41 - Breast reconstruction surgery following mastectomy - Yes
42 - Cancer (fixed indemnity, $x per day) insurance premiums - No
43 - Canker & cold sore treatments (over-the-counter) - Yes
44 - Car modifications (as required for a diagnosed medical condition) - Maybe
45 - Chest rubs (over-the-counter) - Yes
46 - Child or newborn care instruction - No
47 - Childbirth classes - Yes
48 - Chiropractic care - Yes
49 - Chiropractic office visit or treatment - Yes
50 - Christian Science practitioners - Yes
51 - Cholesterol test kits and supplies - Maybe
52 - COBRA premiums (dental) - Yes
53 - COBRA premiums (medical) - Yes
54 - COBRA premiums (other) - Yes
55 - COBRA premiums (prescription) - Yes
56 - COBRA premiums (vision) - Yes
57 - Co-insurance (dental) - Yes
58 - Co-insurance (medical) - Yes
59 - Co-insurance (prescription) - Yes
60 - Co-insurance (vision) - Yes
61 - Cold & flu medicine (over-the-counter) - Yes
62 - Cold cream (over-the-counter) - No
63 - Compression or anti-embolism socks, stockings or hose - Yes
64 - Concierge medical fees (billed for actual services received) - Yes
65 - Concierge medical fees (billed for future availability of services) - No
66 - Condoms and spermicides - Yes
67 - Contact lenses, cleaning solutions, etc. - Yes
68 - Contraceptives (prescription or over-the-counter) - Yes
69 - Co-payment (dental) - Yes
70 - Co-payment (medical) - Yes
71 - Co-payment (other) - Yes
72 - Co-payment (vision) - Yes
73 - Cord blood storage (for future treatment of a birth defect or condition) - Maybe
74 - Cord blood storage (for unidentified future use) - No
75 - Corn and callus remover (over-the-counter) - Yes
76 - Corneal keratotomy - Yes
77 - Cosmetic surgery - No
78 - Cough drops & sore throat lozenges (over-the-counter) - Yes
79 - Cough syrup (over-the-counter) - Yes
80 - Counseling (for treatment of a medical condition) - Yes
81 - CPR classes (adult or child) - No
82 - Crutches, canes or like equipment (purchase or rental) - Yes
83 - Dancing lessons (for treatment of a medical condition) - Maybe
84 - Deductible for dental plan - Yes
85 - Deductible for medical plan - Yes
86 - Deductible for prescription plan - Yes
87 - Deductible for vision plan - Yes
88 - Dental care - Yes
89 - Dental co-insurance - Yes
90 - Dental co-payment - Yes
91 - Dental insurance or plan premiums - Yes
92 - Dental products - Maybe
93 - Dental reconstruction - Yes
94 - Dental veneers - Maybe
95 - Dentures, bridges, etc. - Yes
96 - Diabetic monitor, test kits, strips and supplies - Yes
97 - Diagnostic services - Yes
98 - Diaper Rash Ointments and Creams - Yes
99 - Diapers and diaper services - No
100 - Dietary supplements (for treatment of a medical condition) - Maybe
101 - Doula - No
102 - Drug addiction treatment - Yes
103 - Drugs (experimental or imported) - No
104 - Drugs (prescription) - Yes
105 - Dyslexia treatment - Yes
106 - Ear drops & wax removal (over-the-counter) - Yes
107 - Educational classes or tuition - No
108 - Electrolysis - No
109 - Emergency kits (over-the-counter) - No
110 - Exercise equipment (for treatment of a medical condition) - Maybe
111 - Eye examinations - Yes
112 - Eye related equipment/materials - Yes
113 - Eye surgery or treatment to correct vision - Yes
114 - Eyeglasses (over-the-counter) - Yes
115 - Eyeglasses (prescription) - Yes
116 - Face lifts - No
117 - Fertility monitor (over-the-counter) - Yes
118 - Fertility treatment (for employee, spouse or dependent) - Yes
119 - Fertility treatment (for non-dependent surrogate) - No
120 - First aid kits (over-the-counter) - Yes
121 - Fitness programs - Maybe
122 - Flu shots - Yes
123 - Funeral expenses - No
124 - Gastrointestinal medication (over-the-counter) - Yes
125 - Guide dog (dog, training, care) - Yes
126 - Hair regrowth products - No
127 - Hair removal - No
128 - Hair transplant - No
129 - Hair treatments - No
130 - Hand lotion (over-the-counter) - No
131 - Health club dues - Maybe
132 - Health insurance or plan premiums - Yes
133 - Health savings account (HSA) contributions - No
134 - Hearing aids and batteries - Yes
135 - Herbal or homeopathic medicines (over-the-counter) - No
136 - Home improvements (as required for a diagnosed medical condition) - Maybe
137 - Hospital fees - Yes
138 - Hospital (fixed indemnity$x per day) insurance premiums - No
139 - Hospital services - Yes
140 - Household help - No
141 - Humidifier, air filter and supplies - Maybe
142 - Illegal operations or substances - No
143 - Immunizations - Yes
144 - Incontinence supplies - Yes
145 - Individual dental plan premiums - Yes
146 - Individual medical plan premiums - Yes
147 - Individual plan premiums - Yes
148 - Individual prescription plan premiums - Yes
149 - Individual vision plan premiums - Yes
150 - Infertility treatment (for employee, spouse or dependent) - Yes
151 - Insulin, testing materials and supplies - Yes
152 - Laboratory fees - Yes
153 - Lactose intolerance (over-the-counter) - Yes
154 - Lamaze classes - Yes
155 - Laser eye surgery - Yes
156 - Lasik - Yes
157 - Late payment fees charged by health care provider - No
158 - Laxatives (over-the-counter) - Yes
159 - Learning disability treatments - Yes
160 - Lice treatment (over-the-counter) - Yes
161 - Listening therapy - Yes
162 - Lodging (essential to receive medical care) - Maybe
163 - Long term care premiums (up to IRS tax-free limit, see IRS Publication 502) - Yes
164 - Long term care services - Yes
165 - Magnetic therapy (over-the-counter) - No
166 - Marriage counseling - No
167 - Massage therapy (for treatment of a medical condition) - Maybe
168 - Mastectomy-related special bras - Yes
169 - Maternity clothes - No
170 - Medical abortion - Yes
171 - Medical co-insurance - Yes
172 - Medical co-payment - Yes
173 - Medical equipment (for treatment of medical condition) and repairs - Yes
174 - Medical insurance or plan premiums - Yes
175 - Medical literature, books, pamphlets or audio - No
176 - Medical monitoring and testing devices - Yes
177 - Medical records charges - Yes
178 - Medical savings account (MSA) contributions - No
179 - Medical supplies (for treatment of a medical condition) - Yes
180 - Medicare alternative insurance or plan premiums - Yes
181 - Medicare Part B premiums - Yes
182 - Medicare supplement policy premiums - No
183 - Medicines (over-the-counter) - Yes
184 - Medicines (prescription) - Yes
185 - Midwife - Yes
186 - Mileage ($.27 per documented mile, to/from eligible health care) - Yes
187 - Modified equipment (difference in cost only) - Maybe
188 - Monitors & test kits (over-the-counter) - Yes
189 - Motion & nausea - Yes
190 - Nasal sprays - Yes
191 - Nasal strips (over-the-counter) - Yes
192 - No show fees charged by health care provider - Yes
193 - Non-prescription drugs and medicines (for non-cosmetic purposes) - Yes
194 - Norplant insertion or removal - Yes
195 - Nursing services (wages and taxes) - Yes
196 - Nutritional supplements (for treatment of a medical condition) - Maybe
197 - OB/GYN fees - Yes
198 - Occlusal guards to prevent teeth grinding - Yes
199 - Occupational therapy (related to a medical condition or disability) - Yes
200 - Office visits (chiro) - Yes
201 - Office visits (dental) - Yes
202 - Office visits (medical) - Yes
203 - Office visits (psych/therapy) - Yes
204 - Office visits (vision) - Yes
205 - Operations (for non-cosmetic purposes) - Yes
206 - Optometrist / ophthalmologist fees - Yes
207 - Oral care (over-the-counter) - No
208 - Organ transplants (recipient and donor) - Yes
209 - Ortho keratotomy - Yes
210 - Orthodontia (braces and retainers) - Yes
211 - Orthopedic & surgical supports - Yes
212 - Orthopedic shoes and inserts (Excess cost compared to regular shoe) - Maybe
213 - Over-the-counter acne treatments - Yes
214 - Over-the-counter allergy & sinus medicine - Yes
215 - Over-the-counter antacid - Yes
216 - Over-the-counter antibiotic ointment - Yes
217 - Over-the-counter aspirin or other pain reliever - Yes
218 - Over-the-counter asthma medicines or treatments - Yes
219 - Over-the-counter bandages and related items - Yes
220 - Over-the-counter canker & cold sore treatments - Yes
221 - Over-the-counter chest rubs - Yes
222 - Over-the-counter cold & flu medicine - Yes
223 - Over-the-counter cold & flu prevention - Yes
224 - Over-the-counter cold cream - No
225 - Over-the-counter cough drops & sore throat lozenges - Yes
226 - Over-the-counter cough syrup - Yes
227 - Over-the-counter (eligible medical) - Yes
228 - Over-the-counter health care products (eligible) - Yes
229 - Over-the-counter health care products (not eligible) - No
230 - Over-the-counter medication - Yes
231 - Over-the-counter motion sickness - Yes
232 - Over-the-counter sleep aids and sedatives - Yes
233 - Over-the-counter oral and teething pain - Yes
234 - Over-the-counter products for dental ailments - Yes
235 - Over-the-counter products for general dental care - No
236 - Over-the-counter vision products - Yes
237 - Ovulation monitor (over-the-counter) - Yes
238 - Oxygen - Yes
239 - Pain reliever (over-the-counter) - Yes
240 - Personal use items (toothbrush, toothpaste, etc.) - No
241 - Physical exams - Yes
242 - Physical therapy - Yes
243 - Physician retainer fee (for on-call or concierge services) - No
244 - Pregnancy tests (over-the-counter) - Yes
245 - Prescription co-insurance - Yes
246 - Prescription co-payment - Yes
247 - Prescription drugs (for non-cosmetic purposes) - Yes
248 - Prescription drugs for cosmetic purposes - No
249 - Prescription drugs for hair regrowth - No
250 - Prescription insurance or plan premiums - Yes
251 - Propecia (for treatment of a medical condition) - Maybe
252 - Prosthesis - Yes
253 - Psychiatric care - Yes
254 - Psychoanalysis - Yes
255 - Psychologist fees - Yes
256 - Radial keratotomy (RK) - Yes
257 - Reading glasses (over the counter) - Yes
258 - Reconstructive surgery (following accident or medical procedure) - Maybe
259 - Removal of benign mole, cyst or tumor - Yes
260 - Retainer fee (to physician for on-call or concierge services) - No
261 - Retin-A (for non-cosmetic purposes) - Maybe
262 - Rogaine / hair regrowth medications (for treatment of a medical condition) - Maybe
263 - Sales tax, shipping and handling fees (for any eligible expenses on this list) - Yes
264 - Smoking cessation (programs / counseling) - Yes
265 - Smoking cessation drugs (prescription) - Yes
266 - Smoking cessation gum or patches (over-the-counter) - Yes
267 - Special equipment - Maybe
268 - Special foods (treatment of a medical condition; difference in cost only) - Maybe
269 - Special school (for mental and physical disabilities) - Maybe
270 - Speech therapy - Yes
271 - Sterilization - Yes
272 - Student health fees billed for the future availability of services (dental services) - No
273 - Student health fees billed for services actually received (dental services) - Yes
274 - Student health fees billed for the future availability of services (medical services) - No
275 - Student health fees billed for services actually received (for medical services) - Yes
276 - Student health fees billed for the future availability of services (prescriptions) - No
277 - Student health fees billed for services actually received (prescriptions) - Yes
278 - Student health fees billed for the future availability of services (vision services) - No
279 - Student health fees billed for services actually received (vision services) - Yes
280 - Sunburn creams and ointments (ex., Solarcaine) - Yes
281 - Sunglasses (over-the-counter) - No
282 - Sunglasses (prescription) - Yes
283 - Sunscreen (over-the-counter; with SPF 30 or higher) - Yes
284 - Suntan Lotion - No
285 - Supplies (for treatment of a medical condition) - Maybe
286 - Surgery (for non-cosmetic purposes) - Yes
287 - Swimming lessons (for treatment of a medical condition) - Maybe
288 - Teeth bleaching or whitening - No
289 - Teeth grinding prevention devices - Yes
290 - Therapy (for treatment of a medical condition) - Yes
291 - Toothache and Teething Pain Relievers - Yes
292 - Toothpaste, toothbrush, floss - No
293 - Transgender treatments / surgery - Maybe
294 - Transportation, parking, travel expenses (essential to receive medical care) - Maybe
295 - Tubal ligation - Yes
296 - Tuition or educational classes - No
297 - UV protection clothing - No
298 - Urological products - Yes
299 - Vaccinations - Yes
300 - Varicose vein removal surgery - Yes
301 - Vasectomy - Yes
302 - Viagra and similar prescription medications - Yes
303 - Vision co-insurance - Yes
304 - Vision co-payment - Yes
305 - Vision insurance or plan premiums - Yes
306 - Vitamins (over-the-counter, for general health purposes) - No
307 - Vitamins (prescription) - Yes
308 - Walking Aid - Yes
309 - Wart Removal Treatments - Yes
310 - Weight loss counseling - Maybe
311 - Weight loss foods -No
312 - Weight loss program (to improve or maintain general health) - No
313 - Weight loss program or drugs (for treatment of a medical condition) - Maybe
314 - Wheelchair, accessories and repairs - Yes
315 - Wound care (over-the-counter) - Yes
316 - X-ray fees (dental) - Yes
317 - 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.