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Take full advantage of HSA funds for eligible medical expenses.

Health Savings Account funds have no limit on when or how to take distributions. However, to fully benefit from the tax advantages, funds must be used on eligible medical expenses determined by the IRS.

 

Open An HSA

Questions?

We’re here to help you open your account! Call 833.232.4676 to speak to one of our HSA experts.

Common Eligible Medical Expenses for an HSA

Use the list below as a guideline to help you determine what expenses are eligible for your HSA funds. This is not an end-all list and does not guarantee reimbursement. 

To see a full list, click here

  • Abdominal Supports
  • Acupuncture
  • Air Conditioner*
  • Alcoholism Treatment
  • Ambulance
  • Anesthetist
  • Arch Supports
  • Artificial Limbs
  • Autoette
  • Birth Control
  • Birth Control Pills*
  • Blood Tests
  • Blood Transfusions
  • Braces
  • Cardiographs
  • Chiropractor
  • Christian Science Practitioner
  • Contact Lenses
  • Contraceptive Devices*
  • Convalescent Home*
  • Crutches
  • Dental Treatment
  • Dental X-rays
  • Dentures
  • Dermatologist
  • Diagnostic Fees
  • Diathermy
  • Drug Addiction Therapy
  • Drugs (prescription)
  • Elastic Hosiery*
  • Eyeglasses
  • Fees Paid to Health Institute Prescribed by a Doctor
  • FICA and FUTA Tax Paid for Medical Care Service
  • Fluoridation Unit
  • Guide Dog
  • Gum Treatment
  • Gynecologist
  • Healing Services
  • Hearing Aids and Batteries
  • Hospital Bills
  • Hydrotherapy
  • Insulin Treatment
  • Lab Tests
  • Lead paint removal
  • Legal Fees
  • Lodging (away from home for outpatient care)
  • Metabolism Tests
  • Neurologist
  • Nursing (including board and meals)
  • Obstetrician
  • Operating Room Costs
  • Ophthalmologist
  • Optician
  • Optometrist
  • Oral Surgery
  • Organ Transplant (including donor's expenses)
  • Orthopedic Shoes
  • Orthopedist
  • Osteopath
  • Oxygen and Oxygen Equipment
  • Pediatrician
  • Physician
  • Physiotherapist
  • Podiatrist
  • Postnatal Treatments
  • Practical Nurse for Medical Services
  • Prenatal Care
  • Prescription Medicines
  • Psychiatrist
  • Psychoanalyst
  • Psychologist
  • Psychotherapy
  • Radium Therapy
  • Registered Nurse
  • Special School Costs for the Handicapped
  • Spinal Fluid Test
  • Splints
  • Sterilization
  • Surgeon
  • Telephone or TV Equipment to Assist the Hard-of-Hearing
  • Therapy Equipment
  • Transportation Expenses (relative to health care)
  • Ultra-Violet Ray Treatment
  • Vaccines
  • Vasectomy
  • Vitamins (if prescribed)
  • Wheelchair
  • X-rays

Examples of Ineligible Medical Expenses

  • Advancement payment for services to be rendered next year
  • Athletic club membership
  • Automobile insurance premium allocable to medical coverage
  • Boarding school fees
  • Bottled water
  • Commuting expenses of a disabled person
  • Cosmetic surgery and procedures
  • Cosmetics, hygiene products and similar items
  • Funeral, cremation, or burial expenses
  • Health programs offered by resort hotels, health clubs, and gyms
  • Illegal operations and treatments
  • Illegally procured drugs
  • Maternity clothes
  • Non-prescription medication
  • Premiums for life insurance, income protection, disability, loss of limbs, sight or similar benefits
  • Scientology counseling
  • Social activities
  • Special foods and beverages
  • Specially designed car for the handicapped*
  • Stop-smoking programs
  • Swimming pool
  • Travel for general health improvement
  • Tuition and travel expenses for a problem child to attend a particular school
  • Weight loss programs

 

healthy family running in the park

* Conditions apply.
This list is provided with the understanding that our bank is not engaged in rendering tax advice. Use this list as a quick reference. If you need additional information, refer to IRS Publication 502 or contact a tax professional.
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  • Consumers
    • HSA Central and You
    • Open Your HSA
    • Spending Your HSA Funds
    • Investing Your HSA Funds
    • Moving Your HSA Funds
    • HSA to Save for Retirement
    • Contribution Limits
    • IRS Eligible Medical Expenses
    • The Tax Benefits of a Health Savings Account
    • The HSA Central Mobile App
  • Employers
    • HSA Central and Your Business
    • Who We Are – HSA Central
    • Why a Health Savings Account
    • Increase Open Enrollment & Engagement
    • Advantages of a Health Savings Account Benefit Offering

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