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Note: The IRS defines which medical expenses are eligible under a tax-deferred account. However, employers may only allow some of these expenses with your plan. It's important to always check with your benefits administrator to determine which expenses are eligible before you shop.

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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).

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).

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).

Scale for Food or Weight

A scale for food or weight with a Letter of Medical Necessity (LMN) 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).

Scar Treatment

Scar treatment is eligible with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement (HRA). Scar treatment reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

Schools and education, residential

Residential schools and education with a Letter of Medical Necessity (LMN) 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).

Schools and education, special

Special schools and education are eligible for reimbursement with a Letter of Medical Necessity with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). 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).

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).

Scooter, electric

An electric scooter with a Letter of Medical Necessity (LMN) 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).

Screening Tests

Screening tests are 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). Screening tests are not eligible with a dependent care flexible spending account (DCFSA).

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).

Sedatives

Sedatives are eligible with a prescription 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).

Seeing-eye Dog

Seeing-eye dogs are eligible with a Letter of Medical Necessity (LMN) for reimbursement with a flexible spending account (FSA), health savings account (HSA), 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).

Service Animal

The cost for a service animal that is required for medical care is eligible with a Letter of Medical Necessity (LMN) for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA). Service animal costs are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

Sexual Counseling

If required for the treatment of a medical condition, sexual counseling is eligible with a Letter of Medical Necessity (LMN) 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).

Sexual Dysfunction

When recommended for treatment of a medical condition, costs associated with various treatments of sexual dysfunction are eligible with either a Letter of Medical Necessity (LMN) or a prescription from a medical professional 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).

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).

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).

Shaving Cream or Lotion

Shaving cream or lotion are never eligible for reimbursement as they are personal 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).

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).

Sinus Medicine

Sinus medicines are eligible over-the-counter (OTC) medicines with a prescription 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).

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).

Sitz Bath

A sitz bath is eligible for reimbursement 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).

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).

Skin Tag Removal

Skin tag removal with a Letter of Medical Necessity (LMN) 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).

Sleep Aids

Sleep aids are eligible over-the-counter (OTC) products with a prescription 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).

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).

Smoking Cessation Products

Smoking cessation products are eligible for reimbursement with a prescription 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).

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).

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).

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).

Special Foods

Special foods with a Letter of Medical Necessity (LMN) 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).

Special School

Special schooling with a Letter of Medical Necessity (LMN) 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).

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).

Sperm Storage Fees

Sperm storage 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).

Spermicidals

Spermicidals are eligible with a prescription 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).

St. John's Wort

St. John's Wort is eligible with a prescription 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).

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).

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).

Stem Cell Storage

Stem cell storage is eligible with a Letter of Medical Necessity (LMN) with flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), and only eligible for the period of time necessary to treat an existing or imminent disease. Stem cell storage is not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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).

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).

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).

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).

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).

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).

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).

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).

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).

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).

Sunburn Creams and Ointments

Sunburn creams and ointments are eligible with a prescription 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).

Sunglasses, prescription

Prescription sunglasses are eligible 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.

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).

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).

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).

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).

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).

Supplements

Supplements may be eligible with a Letter of Medical Necessity (LMN) from a medical professional 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). However, certain vitamins such as glucosamine, chondroitin and prenatal vitamins will qualify for FSA, HSA and HRA reimbursement with no restrictions.

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).

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).

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) is necessary. With an LMN, 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).

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).

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).

Swimming Lessons

Swimming lessons with a Letter of Medical Necessity (LMN) 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).

Swimming Pool

Swimming pools with a Letter of Medical Necessity (LMN) 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).

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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