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Flexible Spending Accounts

Eligible Healthcare Expenses

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The Internal Revenue Service (IRS) allows a wide range of health-related products and services to be covered by a healthcare FSA. Below are some examples of eligible and ineligible healthcare expenses. These examples are NOT a comprehensive list of expenses. The ADP Eligible Expense Guide provides a detailed list of allowable expenses for both the healthcare FSA and dependent care FSA.

Please note: Eligible expenses may vary slightly by employer. Please check your employer’s plan documents for any restrictions.

Examples of Eligible Healthcare Expenses:

  • Co-payments for medical, dental, and vision plans
  • Expenses below the deductible amount for medical, dental, and vision plans
  • Co-insurance expenses
  • Prescriptions
  • Eye exams, eye glasses, contact lenses and solutions
  • Vision correction surgery
  • Dental exams, cleanings, x-rays and fillings
  • Orthodontia
  • Expenses in excess of medical, dental, or vision plan limits
  • Acupuncture, chiropractic expenses, physical therapy
  • Child birth preparation classes
  • Diabetic supplies, respirators and other medical supplies
  • Hearing aids
  • Immunizations and vaccinations
  • Counseling and psychotherapy
  • Routine physical exams and annual check-ups (pap smears, prostate, mammograms)

Examples of Ineligible Healthcare Expenses:

  • Cosmetic expenses
  • Expenses claimed on your income tax return
  • Expenses not eligible to be claimed as an income tax deduction
  • Expenses reimbursed by other sources, such as insurance companies
  • Fees for exercise/athletic/health clubs where there is no specific medical reason for membership
  • Hair transplants
  • Illegal treatments, operations, or drugs
  • Insurance premiums
  • Weight reduction programs for general well being



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