HSA Eligible Products & Services

Select one of the following categories below to browse or search HSA eligible products, services, and expenses.

Eligible OTC Expenses

Did you know you can buy thousands of over-the-counter (OTC) products with your Health Savings Account (HSA)? HSAstore.com makes it easy to shop for everyday healthcare products with your HSA, especially those that require additional documentation. Due to changes introduced by the Affordable Care Act in 2011, you must have a prescription for any over-the-counter medications - or products containing an active medical ingredient - for HSA reimbursement. Products not containing an active medical ingredient do not require a prescription.

HSA Eligible Medical Items

That DO NOT require a Doctor's Prescription

HSA eligible products designated with this symbol can be purchased with an HSA and do not require a prescription

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    HSA Eligible Medical Items

    That DO require a Doctor's Prescription

    HSA eligible with prescription products designated with this symbol require a prescription to be purchased with an HSA.

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      Eligible Products & Services List

      Note: The IRS defines which medical expenses are eligible under a Health Savings Account (HSA) and the products carried on HSA Store are in compliance with these requirements. However, it is important for HSA holders to research and understand the guidelines of their HSA as well as maintain all copies of appropriate documentation for eligible products and services. For HSA-Rx marked products, the HSA holder should have a valid prescription on file before purchasing.

      Expense Type

      Details

      OB/GYN

      OB/GYN services are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). OB/GYN services are not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

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      Obstetrical Care

      Obstetrical care services are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Obstetrical care services are not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

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      Occlusal Guards

      Occlusal guards are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Occlusal guards are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Occupational Therapy

      Occupational Therapy is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA). They are not eligible for reimbursement with dependent care flexible spending accounts and limited care flexible spending accounts (LCFSA).

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      Omega-3 Supplements

      Omega-3 supplements are eligible with a prescription by a medical doctor for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Omega-3 supplements are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Oncologist

      An oncologist's services are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). An oncologist's services are not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

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      Online or Telephone Consultation, Medical Practitioner's Fee

      A medical practitioner's fee for an online or telephone consultation is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). A medical practitioner's fee for an online or telephone consultation is not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

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      Operations

      Operation fees are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Operation fees are not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

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      Ophthalmologist

      An ophthalmologist's services are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA) or a limited care flexible spending account (LCFSA. An ophthalmologist's services are not eligible with a dependent care flexible spending account (DCFSA).

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      Optometrist

      An optometrist's services are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA) or a limited care flexible spending account (LCFSA. An optometrist's services are not eligible with a dependent care flexible spending account (DCFSA).

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      Oral Glucose Gel

      Oral glucose gel is an eligible over-the-counter (OTC) item that does not require a prescription from a doctor with a flexible spending account (FSA), health savings account (HSA) or health reimbursement arrangement (HRA). Oral glucose gel reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Oral Remedies and Treatments

      Oral remedies and treatments are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA), or a limited care flexible spending account (LCFSA). Oral remedies and treatments are not eligible with a dependent care flexible spending account (DCFSA).

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      Organ Donation

      Organ donation expenses are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Organ donation expenses are not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

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      Organ Transplant

      Organ transplant expenses are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Organ transplant expenses are not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

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      Ortho Keratotomy or Orthokeratology

      Orthokeratotomy is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Orthokeratotomy is not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

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      Orthodontia

      Orthodontia is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA) or a limited care flexible spending account (LCFSA). Orthodontia is not eligible for reimbursement with a dependent care flexible spending account (DCFSA).

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      Orthodontia Wax

      Orthodontia wax is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA), or a limited care flexible spending account (LCFSA). Orthodontia wax is not eligible with a dependent care flexible spending account (DCFSA).

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      Orthokeratology

      Orthokeratology is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Orthokeratology is not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

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      Orthopedic and Surgical Supports

      Orthopedic and surgical supports are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Orthopedic and surgical supports are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Orthopedic Neck Support

      Orthopedic neck supports are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Orthopedic neck supports are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Orthopedic shoe inserts

      Orthopedic shoe inserts are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Orthopedic shoe inserts are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Orthopedic Shoes

      Orthopedic shoes with a Letter of Medical Necessity (LMN) from a medical doctor are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA). Orthopedic shoes are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Orthotics

      Orthotics are eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA). They are not eligible for reimbursement with dependent care flexible spending accounts and limited care flexible spending accounts (LCFSA).

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      OSHA Handling Fees for Biohazard Waste Disposal

      OSHA handling fees for biohazard waste disposal are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). OSHA handling fees for biohazard waste disposal reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Osteopath Fees

      Osteopath fees are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Osteopath fees reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Ostomy, Colostomy Supplies

      Ostomy, colostomy supplies are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Ostomy, colostomy supplies reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Out-of-network provider

      Out-of-network provider reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Out-of-network provider reimbursement is ineligible with limited care flexible spending accounts (LCFSA) and dependent care flexible spending accounts (DCFSA).

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      Over-The-Counter Items

      Over-the-counter (OTC) items are eligible on an FSA without a prescription. OTC drugs and medicines are eligible as well, but require a prescription from a doctor for reimbursement. These items are marked with a blue "Rx" logo on our website, while items not requiring a prescription are marked with a red check mark. OTC items reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Over-the-counter items reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Over-the-Counter Medicine

      Over-the-counter medicine is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA) and limited care flexible spending account (LCFSA) with a prescription from a physician. Over-the-counter (OTC) medicine is not eligible for reimbursement with a dependent care flexible spending account (DCFSA).

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      Ovulation Monitor

      Ovulation monitors are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Ovulation monitors are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Oxygen Equipment

      Oxygen equipment is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Oxygen equipment is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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