Medical FSA

Common Eligible Medical Expenses

  • Insurance: co-pays, deductibles, co-insurance
  • Medical: medical doctor fees, office visit charges, annual physical exams, x-rays, lab fees
  • Vision: vision exams, frames and lenses, including prescription sunglasses, contact lenses, LASIK eye surgery
  • Medicines and drugs: prescription and over-the-counter (see below)
  • Dental: exams, x-rays, fillings, false teeth, retainers, caps, crowns, orthodontia, implants
  • Chiropractors / Acupuncturists

Common Eligible Over-The-Counter (OTC) Medical Expenses

  • Contact Lens Solution
  • Insulin & diabetic supplies
  • Band-aids / bandages
  • Reading glasses
  • Birth control products and pregnancy tests
  • Supports / braces (e.g. ankle, knee, wrist, therapeutic gloves)

Common Eligible Over-The-Counter Drugs and Medicines Requiring a Prescription

  • Cold, Flu, Allergy and Sinus Medications (throat lozenges)
  • Pain Relievers (Aspirin, Excedrin, Tylenol, Advil, Motrin)
  • Acne medications
  • Acid controllers
  • Anti-gas products
  • Sleep aids & sedatives

Ineligible Medical Expenses

  • Elective cosmetic surgery
  • Teeth whitening products
  • Mouthwash, toothpaste / brushes & floss
  • Hair re-growth products
For a more complete overview of eligible medical expenses, click here.

Dependent Care FSA

Common Eligible Dependent Care Expenses

  • Daycare for a qualifying child under the age of 13
  • Before-school and after-school care
  • Expenses for preschool/nursery school
  • Extended day programs
  • Au pair services (amounts paid for the actual care of the dependent)
  • Baby sitter (in or out of the home)
  • Nanny services (amounts paid for the actual care of the dependent)
  • Summer day camp for your qualifying child under the age of 13
  • Elder day care for a qualifying individual

Ineligible Dependent Care Expenses

  • Amounts paid to your spouse, your child under age 19, a parent of your child who is not your spouse or an individual for whom you or your spouse is entitled to a personal tax exemption as a dependent
  • Expenses related to a disabled spouse or tax dependent living outside your household
  • Educational expenses
  • Tuition for kindergarten and above
  • Food expenses (unless inseparable from care)
  • Incidental expenses (such as extra charges for supplies, special events, or activities unless inseparable from care)
  • Overnight camp

Only eligible expenses can be reimbursed under a Medical or Dependent Care FSA. These expenses are defined by the Internal Revenue Code and the employer’s plan.

Medical expenses must be incurred during the coverage period and can include expenses for you, your spouse, your qualified tax dependents, as well as your adult children (through December 31st of the year in which he or she turns 26).

Dependent Care expenses must be incurred during the coverage period so you (and your spouse, if married) can work or look for work. Full-time students who attend school for at least five months during the tax year may also incur dependent care expenses.