Read on to find a variety of ways to spend your FSA money before the end of 2023. For more, learn about the open enrollment period for the Affordable Care Act or Amazon’s membership-based health-care service One Medical.
The IRS added COVID-19 protections like face masks to the FSA eligibility list in 2021.
COVID-19: COVID-related products such as face masks, at-home tests and hand sanitizer qualify for FSA reimbursement.
Dental procedures and products: Your dentures, implants, bridges and sealants are all covered by FSA, as are dental reconstruction and wisdom teeth removal. FSA funds usually cover orthodontia, including Invisalign. Veneers require an LMN from a dentist.
Vision: Not only can you use your FSA funds for prescription eyeglasses and prescription sunglasses, you can also use them for non-prescription reading glasses or blue-blocker glasses. Similarly, contact lenses and supplies, including cleaning solution and lens cases, are eligible for FSA coverage, as are cataract and laser eye surgery.
Hearing: Your FSA money can be used for hearing aids, as well as batteries and maintenance for those aids. Telephones for the hearing impaired are also covered, as are products like ear cleaners and wax removers.
Breathing: Respiratory products such as nasal spray, inhalers and vaporizers are eligible for FSA coverage. With an LMN from a doctor, air conditioning, air filters and air purifiers can all be eligible for reimbursement.
Sleep:Along with OTC sleep medications, your FSA money can also be used for CPAP machines for sleep apnea and mouth guards to prevent teeth grinding. Prescription sleep medicine is also included. Items such as pillows with lumbar support or melatonin can be covered with an LMN from a doctor.
Preventive screenings: Tests evaluating your health can be paid for with FSA money. Eligible screenings include DNA testing, heart scans, cancer screening, diabetes screening, HPV and HIV screening, breast cancer mammography screening and CT scans, and any blood tests that aren’t covered by insurance.
Pregnancy and sexual health: Most pregnancy-related items and services are eligible for FSA funding, including pregnancy tests, prenatal vitamins, infertility treatments, intrauterine insemination and in vitro fertilization. Also covered: costs related to egg donors, surrogates, and egg and embryo storage. Men can use FSA funds on vasectomy reversal and medication for erectile dysfunction.
Babies: FSA funds cover many newborn-related expenses, including breast pumps, lactation consultants, breastfeeding classes, breast milk storage bags, diaper rash ointment, children’s sunscreen and baby breathing monitors. Infant formula can qualify, but only with an LMN from a doctor.
Contraception: FSA funds can help prevent unwanted pregnancies as well. Birth control pills, tubal ligation, vasectomies and condoms are all eligible. Levonorgestrel-based “morning-after pills” like Plan B One-Step or Take Action are eligible for FSA funding, as are all legal abortion procedures, including RU-486 pills (mifepristone).
Menstruation: Pads, tampons, period underwear, pain relievers and other menstrual supplies all qualify as FSA expenses.
Medical equipment: Most products for measuring health are eligible for FSA money. Examples are thermometers, blood pressure monitors, blood sugar test kits and pulse oximeters.
Batteries: Along with the medical equipment itself, if you use batteries to power medical devices, they are FSA eligible.
Mental health: You can use FSA money for mental health treatments and services, including therapy and counseling in person or online. Visits to psychologists or psychiatrists are eligible, as are psychiatric care and prescription medicine. Unfortunately, marriage and couples counseling are not eligible for FSA reimbursement.
Addiction: FSAs can cover smoking cessation treatments and products to help stop smoking, like nicotine gum or patches. They can also cover donations to Alcoholics Anonymous meetings and the cost of transportation to attend, as well as other substance abuse programs and treatment for gambling addiction. An LMN is required to cover the cost of staying at a halfway house.
Weight loss: Weight-loss programs are eligible for FSA coverage, as are gastric bypass or lap-band surgeries. Prescription drugs for weight loss are also eligible.
Retail pharmacy chain CVS maintains a bountiful collection of FSA-eligible products, many of which are deliverable same-day. You can shop products by category or learn more about FSA or HSA accounts in a dedicated FAQ.
Target is packed with nearly 3,000 FSA-eligible items, and its website makes it simple to find and order them with several unique search features. You can order products to be delivered or picked up at a local store.
Walmart breaks down its FSA-eligible items into multiple collections to make finding products easy. You can shop by product category, type of care or brand name, and the FSA store also includes a list of top-selling products.
