List of eligible expenses for small business HRAs
You can use your HRA to pay for individual health insurance as well as out-of-pocket medical, dental and vision expenses. Use our interactive list below to see what can be reimbursed.
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Items that are eligible for reimbursement
Items that are eligible with a prescription from your doctor
Items that are eligible with a note from your doctor
Items that are not eligible for reimbursement
Expense |
Eligible |
HSA Compatible |
Tags |
Acne medicines and treatments | Y | N | Over-the-counter, medications, over the counter, OTC |
Acupuncture | Y | N | Alternative |
Adoption (associated medical expenses) | Y | N | |
Adoption fees | N | N | |
Alcoholism treatment | Y | N | therapy, rehabilitation, alcoholics |
Allergy and sinus medicine and products | Y | N | Over-the-counter, medications, over the counter, OTC, pills |
Alternative dietary supplements | Y+NOTE | N | |
Alternative healers | Y+NOTE | Y | |
Ambulance and emergency health services | Y | N | transportation |
Anesthesia for dental treatments | Y | Y | surgery, operation |
Anesthesia for medical treatments | Y | N | surgery, operation |
Anesthesia for vision treatments | Y | Y | surgery, operation |
Antacid | Y | N | Over-the-counter, medications, over the counter, OTC, Pharmacy, Prescription |
Antibiotic ointment | Y | N | Over-the-counter, medications, over the counter, OTC, Pharmacy, Prescription |
Artificial limb | Y | N | Prosthetics |
Aspirin or other pain reliever | Y | N | Over-the-counter, medications, over the counter, OTC, pills |
Asthma medicines or treatments (over-the-counter) | Y | N | contraceptive, contraception |
Bandages and related items | Y | N | |
Birth control (over-the-counter) | Y | N | contraceptive, contraception, |
Blood pressure monitor | Y | N | |
Body scans | Y | N | hospital, doctor, x-ray |
Braille books and magazines (extra cost only) | Y | Y | vision |
Breastfeeding classes | Y | N | Maternity, lactation, breastfeeding, nursing |
Breast Pumps & Accessories | Y | N | Maternity, lactation, breastfeeding, nursing |
Breast reconstruction surgery (following mastectomy) | Y+NOTE | N | operation |
Cancer insurance premiums | N | N | accident, sickness, illness, lump-sum, lump sum, indemnity |
Canker and cold sore treatments (over-the-counter) | Y | N | Over-the-counter, medications, over the counter, OTC, medicine |
Car modifications | Y+NOTE | N | Transport, Transportation, wheelchair, handicap, disability |
Childbirth classes (charges for mother only) | Y | N | Maternity, lamaze |
Child or newborn care instruction | N | N | Maternity |
Chiropractic care | Y | N | Chiropractor |
Cholesterol test kits and supplies | Y | N | |
Christian Science practitioners | Y | N | |
COBRA premiums | Y | Y | Insurance, policy, MEC |
Cold and flu medicine | Y | N | Over-the-counter, medications, over the counter, OTC, medicine |
Compression or anti-embolism socks, stockings or hose | Y+NOTE | N | |
Concierge medical fees (for future services) | N | N | |
Concierge medical fees (for services received) | Y | N | |
Contact lenses and solutions | Y | Y | Vision, eye, glasses |
Contraceptives | Y | N | Over-the-counter, medications, over the counter, OTC, prescription |
Cord blood storage | Y+NOTE | N | |
Cord blood storage (for unidentified future use) | N | N | |
Corn and callus remover | Y | N | Over-the-counter, medications, over the counter, OTC, prescription |
Corneal keratotomy | Y | Y | Vision, eye, myopia, nearsightedness |
Cosmetic procedures for birth defects or injury | Y+NOTE | N | reconstructive, operation, surgery |
Cosmetic procedures or surgery | N | N | |
Cough drops and sore throat lozenges | Y | N | Over-the-counter, medications, over the counter, OTC, |
Cough syrup | Y | N | Over-the-counter, medications, over the counter, OTC, prescription |
Counseling (marriage) | N | N | therapy |
CPR classes | N | N | education |
Dental and oral pain products (over-the-counter) | Y | Y | tooth |
Dental care (non-cosmetic) | Y | Y | Dentist, teeth, tooth, copay, co-pay, dentist, xrays, x-rays |
Dental insurance premiums | Y | Y | policy |
Dental products for general health | N | N | teeth, tooth |
Dental surgery | Y | Y | surgery, teeth, dentist, implants |
Dental veneers | Y+NOTE | Y | Dentist, teeth, tooth |
Dentures, bridges, etc. | Y | Y | Dentist, Dental, teeth, tooth |
Dermatologist | Y | N | skin |
Dermatology products | Y+NOTE | N | skin care |
Diabetic monitors and supplies | Y | N | diabetes |
Diaper rash creams (over-the-counter) | Y | N | newborn, pediatric, ointment |
Diapers and diaper services | N | N | newborn, pediatric |
Dietary supplements | Y+NOTE | N | |
Dietitian / nutrition services | Y+NOTE | N | |
Doctor supervised weight loss program | Y+NOTE | N | Obesity |
Doctor visits (medical) | Y | N | health, doctor, co-pay, copay |
Doula or birthing coach | Y+NOTE | N | Maternity |
Drug addiction treatment | Y | N | therapy, rehab, rehabilitation |
Drugs (imported) | N | N | prescriptions, RX |
Drugs and medicines (over-the-counter) | Y | N | prescriptions, rx, Over-the-counter, medications, over the counter, OTC, pills |
Dyslexia treatment | Y+NOTE | N | therapy, rehab, rehabilitation, mental health |
Ear drops and wax removal (over-the-counter) | Y | N | Over-the-counter, medications, over the counter, OTC |
Electrolysis | N | N | cosmetic |
Exercise equipment | Y+NOTE | N | weight loss, weight-loss, obesity |
Eye drops and treatments | Y | Y | Over-the-counter, medications, over the counter, OTC, vision |
Eye examinations | Y | Y | Vision, office visit |
Eyeglasses (prescription) | Y | Y | Vision, glasses, contacts |
Eye related equipment/materials | Y | Y | Vision |
Eye surgery or treatment | Y | Y | Vision, operation |
Face lifts | N | N | Cosmetic |
Feminine hygiene products | Y | N | |
Fertility monitor | Y | N | pregnancy |
Fertility treatment | Y | N | |
First aid kits | Y | N | bandages, bandaids |
Fitness programs | Y+NOTE | N | wellness, obesity, weight loss, weight-loss, exercise |
Fluoride treatments | Y | Y | Dental, Teeth, Dentist |
Flu shots | Y | Y | Preventive, vaccine, immunization |
Funeral expenses | N | N | |
Guide dog (dog, training, care) | Y | Y | Vision |
Hair regrowth products | N | N | Cosmetic |
Hair removal | N | N | Cosmetic |
Hair transplant | N | N | Cosmetic |
Hair treatments | N | N | Cosmetic |
Hand lotion | N | N | Over-the-counter, medications, over the counter, OTC |
Health club dues | Y+NOTE | N | wellness, obesity, weight loss, weight-loss, gym |
Health insurance premiums | Y | Y | policy, medical insurance, MEC |
Health Savings Account (HSA) contributions | N | N | |
Hearing aids and batteries | Y | N | |
Herbal or homeopathic medicines | Y+NOTE | N | over-the-counter |
Home modifications | Y+NOTE | N | wheelchair ramp, lift, inclinator |
Hospital insurance premiums | N | N | indemnity, lump-sum, lump sum |
Hospital services and fees | Y | N | ER, emergency room |
Household help | N | N | |
Humidifier, air filter and supplies | Y+NOTE | N | allergy, allergies, cold, asthma |
Immunizations | Y | Y | Vaccines, preventive, wellness |
Incontinence supplies | Y | N | diapers, adult diapers |
Infertility treatment | Y | N | fertility |
Insulin, testing materials and supplies | Y | N | Diabetes |
In vitro fertilization | Y | N | fertility |
Laboratory fees | Y | N | Lab, tests |
Lactation items and devices (for convenience) | N | N | bra, bras, tank top, maternity, breastfeeding, nursing |
Lactose intolerance medication | Y | N | Over-the-counter, medications, over the counter, OTC, pills |
Lamaze classes (charges for mother only) | Y | N | Maternity, childbirth, pregnancy |
Laser / Lasik eye surgery | Y | Y | Vision |
Late payment fees | N | N | |
Laxatives | Y | N | Over-the-counter, medications, over the counter, OTC, pills |
Learning disability treatments | Y | N | therapy |
Lice treatment (over-the-counter) | Y | N | Over-the-counter, medications, over the counter, OTC |
Listening therapy | Y | N | hearing |
Lodging for dental or vision care | Y | Y | hotel, motel, room |
Lodging for medical care | Y | N | hotel, motel, room |
Long-term care premiums | Y | Y | policy, insurance |
Long-term care services | N | N | |
Magnetic therapy | Y+NOTE | N | Alternative, Over-the-counter, medications, over the counter, OTC |
Massage therapy | Y+NOTE | N | Alternative |
Mastectomy-related special bras | Y | N | breast, reconstructive |
Maternity clothes | N | N | |
Medicaid/CHIP insurance premiums | Y | Y | policy, MEC |
Medical abortion | Y | N | |
Medical diagnostic services | Y | N | |
Medical equipment and repairs | Y | N | |
Medical literature, books, pamphlets or audio | N | N | Education |
Medical monitoring and testing devices | Y | N | |
Medical operations | Y | N | surgery |
Medical records charges | Y | N | |
Medical X-ray fees | Y | N | Hospital, Doctor, x-rays, xrays |
Medicare Part A, Part B insurance premiums | Y | Y | policy, MEC |
Medicare supplement insurance premiums | Y | Y | policy, MEC |
Mental health counseling | Y | N | therapy |
Midwife | Y | N | Maternity, childbirth |
Modified equipment (extra cost only) | Y+NOTE | N | capital expense, improvement |
Monitors and test kits | Y | N | Over the counter, Over-the-counter, OTC |
Motion sickness medication | Y | N | Over the counter, Over-the-counter, OTC |
Multiplan insurance premiums | Y | Y | policy, health, vision, prescription, dental, medical, MEC |
Nasal sprays | Y | N | RX, Over the counter, Over-the-counter, OTC, medication, nose, prescription |
Nasal strips | Y | N | RX, Over the counter, Over-the-counter, OTC, medication, nose, prescription |
Norplant insertion or removal | Y | N | birth control, contraceptive |
Nursing services (wages and taxes) | Y | N | Nurse |
Nutritional supplements | Y+NOTE | N | Over the counter, Over-the-counter, OTC, medication, vitamins |
OB/GYN fees | Y | N | Doctor, Hospital, Childbirth, Maternity, wellness |
Occlusal guards to prevent teeth grinding | Y | Y | Dental, Dentist |
Occupational therapy (for medical / disability) | Y | N | rehabilitation, rehab |
Optometrist or ophthalmologist fees | Y | Y | Vision, eye, office visit |
Organ transplants (recipient and donor) | Y | N | Hospital |
Orthodontia (braces and retainers) | Y | Y | Dental, Dentist, teeth |
Ortho keratotomy | Y | Y | Vision |
Orthopedic and surgical supports | Y | N | equipment, braces |
Orthopedic shoes and inserts | Y+NOTE | N | |
Orthotics | Y | N | |
Ovulation monitor | Y | N | Fertility, Maternity, Pregnancy |
Oxygen | Y | N | CO2 |
Physical exams | Y | Y | Wellness, Preventive |
Physical therapy | Y | N | rehabilitation |
Physical therapy supplies | Y | N | |
Physician retainer fee | N | N | |
Pregnancy tests | Y | N | Maternity, pregnancy, fertility, childbirth |
Prescription drugs | Y | N | Rx, medicine, pharmacy, script, copay, co-pay |
Prescription drugs for cosmetic purposes | N | N | |
Prescription insurance premiums | Y | Y | policy |
Psychiatric / therapy | Y | N | counseling, mental health |
Radial keratotomy | Y | Y | vision, cornea, surgery, operation, RK |
Reading glasses | Y | Y | Vision, eye |
Short term medical insurance premiums | Y | Y | Insurance |
Sleep aids and sedatives (over-the-counter) | Y | N | RX, Over the counter, Over-the-counter, OTC, medication, pills |
Smoking cessation (programs/counseling) | Y | N | therapy, rehab |
Smoking cessation drugs, gum or patches | Y | N | RX, Over the counter, Over-the-counter, OTC, medication, prescriptions |
Special equipment | Y+NOTE | N | |
Special foods | Y+NOTE | N | diet, dietary |
Special school (for mental and physical disabilities) | Y+NOTE | N | Education |
Speech therapy | Y | N | |
Spermicidals | Y | N | Contraceptive, contraception, birth control |
Splints, supports, and braces | Y | N | |
Sterilization | Y | N | Contraceptive, contraception, birth control |
Sunglasses (prescription) | Y | Y | Vision |
Sunscreen and creams with SPF 15+ | Y | N | Over the counter, Over-the-counter, OTC, medication |
Sunscreen with SPF <15 or suntan lotion | N | N | Cosmetic, OTC, Over the counter, Over-the-counter |
Surgery (non-cosmetic) | Y | N | |
Swimming lessons (for therapy) | Y+NOTE | N | therapy, rehabilitation |
Take-home urinary tract infection test | Y | N | OTC, Pharmacy |
Teeth bleaching or whitening | N | N | Cosmetic, Dental |
Toothpaste, medicated (difference in cost only) | Y+RX | Y | Dental |
Toothpaste, toothbrush, floss, etc. | N | N | Personal Use |
Transgender treatments/surgery | Y+NOTE | N | |
Transportation and parking (to dental or vision care) | Y | Y | miles, mileage, travel |
Transportation and parking (to eligible medical care) | Y | N | miles, mileage, travel |
TRICARE insurance premiums | Y | Y | policy, MEC |
Tubal ligation | Y | N | |
Tuition or educational classes | Y+NOTE | N | |
Urological products | Y | N | catheters |
UV protection clothing | N | N | Personal Use Item |
Vaccinations | Y | Y | Preventive, Wellness, flu, shots |
Varicose vein removal surgery (for medical care) | Y | N | Surgery, Operation |
Vasectomy | Y | N | Infertility, surgery, operation, hospital, birth control |
Vision care | Y | Y | Eye, optomologist, co-pay, copay |
Vision insurance premiums | Y | Y | policy, eye, plan |
Vision operations | Y | Y | eye, surgery |
Vision products | Y | Y | Eye |
Vitamins | Y+RX | N | Rx, prescription |
Vitamins (for general health) | N | N | |
Walking aids (canes, walkers, crutches) | Y | N | Durable Medical equipment |
Wart removal treatments | Y | N | Over the counter, Over-the-counter, OTC, medication |
Weight loss drugs | Y+RX | N | Obesity, Rx, prescription |
Weight loss foods | N | N | |
Weight loss program (for general health) | N | N | |
Wheelchair and repairs | Y | N | |
Wound care | Y | N | Over the counter, Over-the-counter, OTC, medication, bandaids, bandages, wraps |
Disclaimer: The information provided on this website is general in nature and does not apply to any specific U.S. state except where noted. Health insurance regulations differ in each state.
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