Central Bank logoMenu

Eligible Medical Expenses

Available HSA funds are payable on demand. There are no restrictions on when or how you use funds. However, to fully recognize the tax advantages, funds must be used for qualified medical expenses.

ELIGIBLE MEDICAL EXPENSES

To be considered an eligible medical expense, all over-the-counter medications, except for insulin, require a health care provider's prescription.

  • Abdominal Supports
  • Abortion
  • Acupuncture
  • Air Conditioner*
  • Alcoholism Treatment
  • Ambulance
  • Anesthetist
  • Arch Supports
  • Artificial Limbs
  • Autoette
  • 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

Eligible Expenses for Over-the-Counter Drugs

To be considered an eligible medical expense, all over-the-counter medications, except for insulin, require a health care provider's prescription.

  • Antacids
  • Allergy Medications
  • Pain Relievers Cold
  • Medicine Anti-Diarrhea
  • Medicine Cough Drops and Throat Lozenges
  • Sinus Medications and Nasal Sprays
  • Nicotine Medications and Nasal Sprays
  • Pedialyte
  • Wart Removal Medication
  • Antibiotic Ointments
  • Suppositories and Creams for Hemorrhoids
  • Sleep Aids
  • Motion Sickness Pills
  • First Aid Creams
  • Calamine Lotion

HSA 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 a particular school
  • Weight loss programs

HSA Ineligible Over-the-Counter Drugs

  • Toiletries (including toothpaste)
  • Acne Treatments
  • Lip Balm (including chapstick or carmex)
  • Cosmetics (including face cream and moisturizer)
  • Suntan Lotion
  • Dietary Supplements
  • Fiber Supplements
  • Weight Loss Drugs for General Well Being
  • Herbs
  • Vitamins (daily)
  • Medicated Shampoos and Soaps

* Conditions apply.

This list is provided with the understanding that our bank is not engaged is 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.

smiling people

© 2017 Central Bank All rights reserved.

Equal Housing Lender logoEqual Housing Lender. Member FDIC.