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

      Safety Glasses

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

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      Sales Tax

      Sales Tax 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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      Saline Nasal Spray

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

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      Scale for Food or Weight

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

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      Scar Treatment

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

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      Schools and education, residential

      Residential schools and education 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). Residential schools and education are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Schools and education, special

      Special schools and education are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA) with appropriate documentation. Special schools and education are not eligible with a dependent care flexible spending account (DCFSA) for kindergarten or higher, or a limited care flexible spending account (LCFSA).

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      Sclerotherapy

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

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      Scooter, electric

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

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      Screening Tests

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

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      Sea-band for Motion Sickness

      Sea-bands for motion sickness are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Sea-bands for motion sickness are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Sedatives

      Sedatives are eligible with a prescription from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Sedatives reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Seeing-eye Dog

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

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      Service Animal

      The cost for a service animal that is required for medical care is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Companion animal reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Sexual Counseling

      If required for the treatment of a medical condition, sexual counseling is eligible with a Letter of Medical Necessity (LMN) from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Sexual counseling reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Sexual Dysfunction

      When recommended for treatment of a medical condition, costs associated with treatment of sexual dysfunction are eligible with a Letter of Medical Necessity (LMN) from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Sexual dysfunction treatment reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Shampoo

      While some exceptions may vary, shampoo is generally not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Sharps Container

      A sharps container is an eligible piece of medical equipment with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Sharps container reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Shaving Cream or Lotion

      Shaving cream or lotion are never eligible for reimbursement as they are cosmetic/general health products. Shaving cream or lotion reimbursement is not eligible with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Shipping Fees

      Shipping and handling fees to obtain an item (e.g. medications) are reimbursable if the fees are required for the legal procurement of that item are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Shipping and handling 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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      Sinus Medicine

      Sinus medicines are eligible over-the-counter (OTC) medicines with a prescription from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Sinus medicine reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Sinus Rinse

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

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      Sitz Bath

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

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      Skin Moisturizer

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

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      Skin Tag Removal

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

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      Sleep Aids

      Sleep aids are eligible over-the-counter (OTC) products with a prescription from a doctor for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Sleep aids reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Sleep Deprivation Treatment

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

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      Smoking Cessation

      Smoking cessation products are eligible with a prescription from a doctor for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Smoking cessation products are not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Smoking Cessation Programs

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

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      Soap

      Soap is not required for the treatment, prevention or diagnosis of a medical condition and therefore is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Somnoplasty

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

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      Special Foods

      Special foods 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). Special foods are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Special School

      Special schooling with a Letter of Medical Necessity (LMN) from a medical doctor is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA). Special schooling is not eligible with a dependent care flexible spending account (DCFSA) for those in grades kindergarten or higher, or a limited care flexible spending account (LCFSA).

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      Speech Therapy

      Speech 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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      Sperm Storage Fees

      Sperm storage fees 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). Sperm storage fees are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Spermicidals

      Spermicidals 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). Spermicidals are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      St. John's Wort

      St. John's Wort is 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). St. John's Wort is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Steam Inhaler

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

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      Steam Packs

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

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      Stem Cell Storage

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

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      Sterilization

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

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      Stethoscope

      A stethoscope is an OTC item that does not require a prescription for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Stethoscopes are not eligible for reimbursement with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Stop Smoking Program

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

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      Student Health Fees

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

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      Sublingual Immunotherapy

      Sublingual immunotherapy is an eligible medical expenses with a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement (HRA). Sublingual immunotherapy reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Substance Abuse

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

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      Subway Fare for Medical Treatment

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

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      Summer Camp

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

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      Summer School

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

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      Sun Protective (SPF) Clothing

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

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      Sunburn Creams and Ointments

      Sunburn creams and ointments 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). Sunburn creams and ointments are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Sunglasses

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

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      Sunscreen

      Sunscreen 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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      Sunscreen for Kids

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

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      Sunscreen for Wet Skin

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

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      Sunscreen with Insect Repellant

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

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      Suntan Lotion without sunscreen

      Suntan lotion without sunscreen is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Supplements

      Supplements are eligible over-the-counter (OTC) items that often require a prescription from a doctor for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Supplements reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Supplies to treat a medical condition

      Supplies to treat a medical condition are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Supplies to treat a medical condition are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Support Braces

      Support braces are eligible OTC items that do not require a prescription for reimbursement. Support braces reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or health reimbursement arrangement. Support braces are not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Support Hose

      Support hose is sometimes eligible if the item is being used to treat a medical condition. Only the excess cost is reimbursable, and a Letter of Medical Necessity (LMN) must indicate that it is medically necessary and the individual would otherwise not have purchase the item "but for" the medical condition. Under these conditions, support hose would be eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Support hose is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Surgery

      Surgery 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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      Surrogate Mother

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

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      Swimming Lessons

      Swimming lessons 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). Swimming lessons are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Swimming Pool

      Swimming pools 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). Swimming pools are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Syringes

      Syringes and all insulin-related supplies are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Syringes are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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