Medical expenses you can have reimbursed through your HSA include services incurred by you or your eligible dependents for the diagnosis, treatment or prevention of disease or for the amounts you pay for transportation to get medical care.
In general, deductions allowed for medical expenses on your federal income tax [according to IRC Section 213 (d)] may be reimbursed through your HSA. It is possible that changes in the IRS rules can affect the eligible, potentially eligible, and/or ineligible expense categories.
The following is a partial list of potentially eligible expenses. A more complete list is available when you sign into your account. If you have any questions about an item's eligibility, please contact customer service.
In order to determine eligibility for Potentially Eligible Items, you will need to obtain a Letter of Medical Necessity from your healthcare provider.
A capital expense is an improvement and/or special equipment added to a home or other capital expenditure that may be eligible if the primary purpose is medical care. A Letter of Medical Necessity is required from your healthcare provider. To submit your capital expense, you must have an appraisal of your home within one year prior to the installation and an appraisal after the installation to determine the value added to the home. The amount eligible is the difference between the cost of the expense and the increase in the additional value of your home. If the improvement/special equipment is used by individuals other than the person needing it for medical care, the eligible amount should be divided by the number of people using the item.
Example: A ramp is purchased for $3,000 and prior to installation your house is appraised at $100,000. After installation of the ramp your house is appraised for $101,000. The amount that is eligible under your HSA is $2,000.
For assistance in calculating a capital expense, complete the Capital Expense Worksheet. If you have questions about a capital expense, please contact customer service for a more detailed explanation.
Some expenses are only partially reimbursable. This means only the portion of the cost that exceeds the price of a regular item (excess cost) is eligible. The member must submit a Letter of Medical Necessity and a price comparison for a similar item along with their claim form. Example: If your healthcare provider recommends Orthopedic shoes and the cost is $15 more than regular shoes, only the $15 excess cost is eligible for reimbursement.
Abdominal Supports
Air Conditioner (Capital Expense)
Air Purifier (Potential Capital Expense)
Arch Supports
Athletic Club Membership
Autoette
Automobile modifications (Capital Expense)
Bariatric Surgery
Behavioral modification programs
Breast pumps
Breast Reconstructive Surgery
Breast reduction surgery that is medically necessary
Childbirth/Lamaze Classes (related to prebirth)
Cosmetic surgery (for repair or reconstruction after accident or surgery or for correction of birth defect)
Dietary/Nutritional Supplements
DNA collection and storage
Dyslexia testing and instruction
Elevator (Capital Expense)
Exercise equipment or programs
Fluoridation Device
Genetic Testing
Group Therapy
Guide Dog/Service Animal (purchase, caring for, training)
Herbal treatments
Holistic or natural healers, dietary substitutes, drugs and medicines
Home improvements (e.g. exit ramps, widening doorways, etc.) (Capital Expense)
Household products/improvements to treat allergies
Inclinator
Lactation Consultant
Lead based paint removal
Learning Disability Treatment
Lodging (away from home for outpatient care - special rules may apply)
Massage Therapy
Mastectomy-related special bras
Medical conference admission and transportation (excludes meals and lodging)
Mentally handicapped residential or group home
Mineral supplements (if prescribed by a physician for a specific medical condition)
Mouthwash
Orthopedic Inserts
Orthopedic Shoes (Excess Cost)
Personal trainer fees
Prescription drugs that also have a cosmetic purpose (e.g. Retin-A, Rogaine, Botox, Propecia)
Special education costs for dependents with disabilities
Special foods/beverages (if prescribed by a physician to treat a specific condition) (Excess Cost)
Stem cell, harvesting and/or storage of
Umbilical cord, freezing and storing of
Varicose veins, treatment of
Vitamins (if prescribed by a physician for a specific medical condition, e.g., prenatal vitamins)
Weight-loss program and medications if prescribed by a Physician For a specific medical condition (excludes food)
Wigs
Acne Treatment
Breast Pumps
Chondroitin
Dietary Supplements
Ear Plugs
Fiber Supplements
Glucosamine
Hair Growth/Removal Products
Holistic Remedies/Medicines
Hormone Therapy
Lactose Intolerance Pills
Nasal sprays/strips for snoring
Orthopedic Inserts
Orthopedic Shoes (Excess Cost)
Special Foods (Excess Cost)
St. John's Wort
Vitamins and Minerals
Weight Loss Treatments
For questions about the health savings account, please call (651) 662-5065 or toll free at 1-800-859-2144. We're at your service.