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9 FSA Eligible Expenses You May Not Know About

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FSA Eligible Expenses

With a healthcare FSA, your pre-tax money covers a wide range of common medical expenses. These include doctor visits, surgery and other medical procedures, prescription medicines, as well as dental and vision care.  However, did you know the following products and services also qualify as FSA eligible expenses?

9 FSA Eligible Expenses You May Not Know About

  1. Organ transplants. If you’re a donor (or possible donor) you can claim the cost of medical care received related to the transplant, including transportation. You can also include any expenses you pay for the medical care of another donor in connection with organ donation.
  2. Transportation. When you’re traveling to and from medical care, you can claim bus, taxi, train and air fares, and ambulance service. An FSA can also cover transportation expenses for the following:
    • Parents who must accompany their children to receive medical care can claim travel costs.
    • Adults traveling to receive medical care who cannot travel alone, can use their FSA to cover transportation for a nurse or other person who can give injections, medications, or other treatments.
    • Transportation expenses for regular visits to a mentally ill dependent are eligible, as long as the visits are part of the recommended treatment.
  3. Vehicle modifications for the disabled. If you’re disabled and require vehicle modifications in order to drive (e.g., hand steering controls), you can claim these as eligible expenses. This includes the difference between the cost of a regular vehicle and one designed to hold a wheelchair. 
  4. Wigs. If you lost part or all of your hair due to a disease or medical treatment (such as radiation or chemotherapy), you can purchase a wig with your FSA.
  5. Service animal expenses. FSAs can cover the cost of purchasing, training, and maintaining a guide dog (or other service animal) that assists people who have visual, hearing or other physical disabilities. Maintenance costs can include food, grooming, and veterinary expenses.
  6. Braille reading material. You can receive reimbursement for the cost difference between a regular print edition and the higher cost of Braille books and magazines for a visually impaired person.
  7. Communication equipment for the deaf or speech disabled. If you or a family member are deaf, hard of hearing, or have a speech disability, you can claim the costs of special equipment (such as a teletypewriter) that allows you to communicate via telephone. You can also claim equipment repair costs.
  8. Smoking cessation programs. The cost of a stop-smoking program qualifies as an FSA eligible expense. However, to receive reimbursement, you’ll need a prescription for over-the-counter treatments that are part of the program’s treatment process (skin patches, nicotine gum, etc.).
  9. Lead-based paint removal. Removing lead-based paints from your home walls and surfaces is a qualified expense if:
    • 1) the removal prevents a child who has or had lead poisoning from eating the paint;
    • 2) the surfaces have peeling, cracking or flaking paint; or
    • 3) the child can easily reach the lead paint (i.e. removing paint from a ceiling does not qualify).

NOTE: The cost of repainting the scraped area (labor and paint) does not qualify as an eligible expense. Covering the affected area with wallboard or paneling instead of removing the paint is a capital expense rather than a medical expense.

The more you know about using your FSA, the better off you are when it comes to receiving better healthcare and saving money on taxes. Keep in mind, that you’ll need to hold on to your receipts and a copy of your prescription so you can receive reimbursement for many of these expenses.

Contact your benefits administrator for more information on reimbursement. For a full list of FSA eligible expenses, see IRS Publication 502.

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