![]() Home improvements to accommodate a medical condition, such as widening a doorway or adding a ramp to make a home wheelchair-accessible.Electric toothbrushes, excluding any replacement brushes.Cosmetic procedures, if they're used to correct a deformity or scar stemming from an injury or disease.Car modification expenses for additional features, such as hand controls or a wheelchair lift, for people with disabilities.Breast implant removal, if the implant is defective or causing medical problems.Whenever you have an expense that requires a diagnosis to be HSA-eligible, be sure to obtain the necessary documentation from your medical provider. Under the IRS rules, the following expenses may be HSA-eligible if you have a doctor's note indicating that the product or service is necessary to treat a medical condition. 31, 2021, telemedicine or remote healthcare can be covered by HSA plans at no charge, even if you haven't met your insurance deductible. In addition, the CARES Act states that, through Dec. Sunscreen and OTC remedies (like aloe gel) to treat the effects of sun exposure.Skin creams and ointments, including cleansers, toners, and moisturizers.Lip treatments for cold and canker sores.Feminine hygiene products, such as pads, tampons, and menstrual cups.Many of these are over-the-counter (OTC) medications and products that previously were HSA-eligible only with a prescription: Under the Coronavirus Aid, Relief, and Economic Security Act (CARES) Act that passed in March 2020, additional expenses became HSA-eligible. Vasectomy (male sterilization) and vasectomy reversal.Tubal ligation (female sterilization) and tubal ligation reversal.Surgery, excluding elective cosmetic surgery. ![]() Smoking-cessation programs and drugs, including nicotine patches and gums.Nursing care, whether provided in your home or a nursing home.Medicare premiums if you're 65 or older, excluding Medicare supplemental policies.Long-term-care premiums, up to a qualifying amount based on your age.Egg donor expenses related to infertility treatment.Infertility treatment, including in vitro fertilization egg, sperm, and embryo storage fertility monitors and sperm washing.Hospital expenses for both inpatient and outpatient services.Food, grooming, and veterinary care for guide dogs.Eyeglasses, including prescription and reading glasses, and prescription sunglasses.Diabetes education, including nutrition counseling.Diabetes supplies, such as blood sugar test kits and insulin.Dental care, including cleanings, sealants, fluoride treatments, X-rays, fillings, braces, extractions, and dentures.Childbirth classes for the expectant mother.Childbirth expenses, such as care from a midwife or obstetrician.Breast reconstruction surgery following cancer.Birth control pills, injections, and devices, such as IUDs.Always check with your plan provider if you have questions about whether an expense is covered. Note that this list is not all-inclusive. Diagnostic devices (blood sugar monitors, blood pressure monitors, etc.Here are some common IRS-approved HSA-eligible expenses. ![]() COVID-19 PPE (Hand sanitizers, wipes, and masks for personal use).Communication equipment for the deaf or speech impaired.Capital expenses (home improvements that accommodate a disabled person).Breast feeding supplies/lactation expenses.Birth control and contraceptive devices.Alcoholism and Drug Addiction treatment.In March 2020, the CARES Act approved over-the-counter medications and menstrual care expenses for purchase with an HSA. The following lists identify common expenses that are HSA eligible and non-eligible. They don’t include expenses that are merely beneficial to general health, such as vitamins or a vacation. ![]() Medical care expenses must be primarily to alleviate or prevent a physical or mental defect or illness. They include the costs of equipment, supplies, and diagnostic devices needed for these purposes. These expenses include payments for legal medical services rendered by physicians, surgeons, dentists, and other medical practitioners. Medical expenses are the costs of diagnosis, cure, mitigation, treatment, or prevention of disease, and the costs for treatments affecting any part or function of the body. One of the chief benefits of having an HSA is that account holders can use that money to pay for a wide range of eligible medical expenses for themselves, their spouses, and their tax dependents. As of December 2021, there were over 32 million HSA accounts. Since 2003, Health Savings Accounts (HSAs) have been an important part of the consumer directed healthcare landscape for those with a high deductible health plan (HDHP). ![]()
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