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Generally, any health care expense not paid by your plan or another plan that you could deduct from your federal income tax, is eligible for reimbursement.
Examples of eligible expenses include:
- deductibles, coinsurance, and copayments
- prescription drugs
- contact lenses and solutions
- prescription eyeglasses
- birth control pills prescribed by your physician
- chiropractor fees
- cosmetic dentistry
- dental care charges in excess of reasonable and customary charges, not covered by your dental plan
- expenses for orthodontic services, including repairs or replacement
- hearing aids
- health care charges in excess of reasonable and customary charges, not covered by your medical plan
- hearing or eye exams
- laboratory and x-ray fees
- medical expenses not covered by your health insurance carrier
- nursing home confnement, if the main reason for being there is to receive medical care
- prescription drugs, including insulin
- psychological services
- some over-the-counter medications
- supportive or corrective devices or equipment, such as wheelchairs or crutches
- transplants, such as kidney or heart
- vaccinations, immunizations
Ineligible expenses include:
- expenses incurred for special treatment programs (e.g. health clubs, spas, and
non-prescribed weight loss programs)
- expenses for which you have been reimbursed from any medical, dental, vision, or health care plan
premiums for your spouse’s group health, long-term care, or disability coverage or for individual health or disability coverage
- long-term care expenses
- most kinds of cosmetic surgery (unless medically necessary and not covered by a medical plan), hair transplants, electrolysis and teeth whitening
This list of eligible and ineligible expenses represents the most common types of expenses. When you enroll, you will receive a claims kit that will list all of the eligible expenses you can claim, as well as the ineligible expenses. You may go to the www.irs.gov to find a more complete listing of eligible and ineligible expenses. |
