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+RX | 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+RX | N | Over-the-counter, medications, over the counter, OTC, pills |
| Alternative care | Y | N | |
| 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+RX | N | Over-the-counter, medications, over the counter, OTC, Pharmacy, Prescription |
| Antibiotic ointment | Y+RX | N | Over-the-counter, medications, over the counter, OTC, Pharmacy, Prescription |
| Artificial limb | Y | N | Prosthetics |
| Aspirin or other pain reliever | Y+RX | N | Over-the-counter, medications, over the counter, OTC, pills |
| Asthma medicines or treatments (over-the-counter) | Y+RX | N | contraceptive, contraception |
| Bandages and related items | Y | N | |
| Birth control (over-the-counter) | Y+RX | 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+RX | 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 |
| Chiropractor | Y | N | |
| Cholesterol test kits and supplies | Y | N | |
| Christian Science practitioners | Y | N | |
| COBRA premiums | Y | Y | Insurance, policy, MEC |
| Cold and flu medicine | Y+RX | 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+RX | 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+RX | N | Over-the-counter, medications, over the counter, OTC, |
| Cough syrup | Y+RX | N | Over-the-counter, medications, over the counter, OTC, prescription |
| Counseling (marriage) | N | N | therapy |
| CPR classes | N | N | education |
| Deductible for dental plan | Y | Y | Dentist |
| Deductible for prescription plan | Y | N | |
| Deductible for vision plan | Y | Y | Eye |
| Dental | Y | Y | |
| Dental and oral pain products (over-the-counter) | Y+RX | Y | tooth |
| Dental care (non-cosmetic) | Y | Y | Dentist, teeth, tooth, copay, co-pay, dentist, xrays, x-rays |
| Dental copayment | Y | Y | dentist, office visit, co-pay, copay |
| Dental diagnostic services | Y | Y | |
| Dental insurance premiums | Y | Y | policy |
| Dental products for general health | N | N | teeth, tooth |
| Dental reconstruction (including implants) | Y | Y | Dentist, teeth, tooth |
| Dental surgery | Y | Y | surgery, teeth, dentist, implants |
| Dental veneers | Y+NOTE | Y | Dentist, teeth, tooth |
| Dental X-ray fees | Y | Y | Teeth, Dentist |
| 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+RX | N | newborn, pediatric, ointment |
| Diapers and diaper services | N | N | newborn, pediatric |
| Dietary supplements | Y+NOTE | N | |
| Dietitian / nutrition services | Y+NOTE | N | |
| Doctor/therapy/hospital | Y | 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+RX | 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+RX | N | Over-the-counter, medications, over the counter, OTC |
| Electrolysis | N | N | cosmetic |
| Exercise equipment | Y+NOTE | N | weight loss, weight-loss, obesity |
| Eye care/vision | Y | Y | |
| Eye drops and treatments | Y+RX | 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 | N | 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 | |
| Gastrointestinal medication | Y+RX | N | Over-the-counter, medications, over the counter, OTC, pills |
| 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 |
| Illegal surgeries or substances | N | N | |
| Immunization | Y | Y | |
| 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 |
| Insurance enrollment fee | Y | Y | |
| 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+RX | 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+RX | 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 copayment | Y | N | Doctor, office visit, co-pay, copay |
| 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 supplies | 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 | Y | N | |
| Mental health counseling | Y | N | therapy |
| Midwife | Y | N | Maternity, childbirth |
| Mileage (for travel to/from eligible healthcare) | Y | N | transportation |
| 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+RX | N | Over the counter, Over-the-counter, OTC |
| Multiplan insurance premiums | Y | Y | policy, health, vision, prescription, dental, medical, MEC |
| Nasal sprays | Y+RX | N | RX, Over the counter, Over-the-counter, OTC, medication, nose, prescription |
| Nasal strips | Y+RX | 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 | |
| Over-the-counter medicine | Y+RX | N | |
| Ovulation monitor | Y | N | Fertility, Maternity, Pregnancy |
| Oxygen | Y | N | CO2 |
| Pharmacy | Y | N | |
| 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 copayment | Y | N | co-pay, copay |
| 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+RX | 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+RX | 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+RX | N | Contraceptive, contraception, birth control |
| Splints, supports, and braces | Y | N | |
| Spouse's group dental insurance premiums | Y | N | |
| Spouse's group health insurance premiums | Y | N | |
| Spouse's group vision insurance premiums | 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 |
| Tobacco cessation | Y | Y | |
| 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 |
| Viagra and similar prescription medications | Y | N | ED, erectile, dysfunction |
| Vision care | Y | Y | Eye, optomologist, co-pay, copay |
| Vision copayment | Y | Y | office visit,co-pay, copay |
| Vision diagnostic services | Y | Y | |
| 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+RX | N | Over the counter, Over-the-counter, OTC, medication |
| Weight-loss program | Y | Y | |
| Weight loss drugs | Y+RX | N | Obesity, Rx, prescription |
| Weight loss foods | N | N | |
| Weight loss program (for general health) | N | N | |
| Wellness/preventive care | Y | Y | |
| Wheelchair and repairs | Y | N | |
| Wound care | Y | N | Over the counter, Over-the-counter, OTC, medication, bandaids, bandages, wraps |
