health savings account debit cardHow To Use an HSA:

Medical Savings Account Allowable Medical Expenses

This is a partial listing of items that are eligible for tax-exempt Medical Savings Account reimbursement. For complete information see Department of the Treasury/Internal Revenue Service Publication 502 (Rev. Nov. 96), “Medical and Dental Expenses.” To order free government publications and forms, call 1-800-829-3676.

Refer to your policy to determine whether the allowable expense is considered a covered benefit and may be used to meet the deductible.

Allowable Expenses
  • Acupuncture
  • Alcoholism treatment
  • Ambulance
  • Artificial Limb
  • Artificial Teeth
  • Birth Control Pills (by prescription)
  • Certain Capital Expenses
  • Chiropractors
  • Christian Science Practitioners
  • Contact Lenses
  • Cosmetic Surgery (if due to injury, trauma, or disease)
  • Crutches
  • Dental Treatment
  • Dermatologist
  • Drug Addiction Treatment (impatient)
  • Drugs (prescription)
  • Eyeglasses
  • Guide Dog
  • Gynecologist
  • Hearing Aids
  • Hospital Services
  • Laboratory Fees
  • Lead-Based Paint Removal
  • Learning Disability Fees (prescription)
  • Life-Care Fees
  • Lodging (for out patient treatment)
  • Meals (associated with receiving treatments)
  • Mentally Retarded (specialized homes)
  • Nursing Care
  • Nursing Homes
  • Obstetrician
  • Operating Room Cost
  • Ophthalmologist
  • Optician
  • Organ Transplant (including donor’s expense)
  • Orthodonture
  • Orthopedic shoes
  • Orthopedist
  • Osteopath
  • Oxygen and Equipment
  • Pediatrician
  • Podiatrist
  • Post-Nasal Treatments
  • Prenatal Care
  • Prescription medicines
  • Prosthesis
  • PSA Test
  • Psychiatrist
  • Psychologist
  • Radium Treatment
  • Specialists
  • Spinal Tests
  • Splints
  • Surgeon
  • Telephones and Television for the Hearing Impaired
  • Therapy
  • Transportation Expenses for Health Care Treatment
  • Vaccines
  • Vitamins (if prescribed)
  • Wheelchair
  • X-Rays
Non-Allowable Expenses
  • Advance Payment for Future Medical Expenses
  • Athletic Club Membership
  • Automobile Insurance Premium
  • Boarding School Fees
  • Bottled Water
  • Commuting Expenses for the Disabled
  • Cosmetics and Hygiene Products
  • Diaper Service
  • Domestic Help
  • Funeral Expenses
  • Health Programs at Resorts, Health Clubs and Gyms
  • Illegal Operations and Treatments
  • Illegally Procured Drugs
  • Maternity Clothes
  • Nonprescription Medications
  • Premiums for Life, Disability and Other Accident Insurance
  • Scientology Counseling
  • Smoking Cessation Programs
  • Social Activities
  • Special Foods/Beverages
  • Travel for General Health Improvement
  • Tuition in a Particular School for Problem Children
  • Weight Loss Programs