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Small Business Health Reimbursement Arrangement Eligible Expenses 

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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Eligibility Guide

 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
Allergy and sinus medicine and products Y+Rx N Over-the-counter, medications, over the counter, OTC
Alternative dietary supplements (for treatment of a medical condition) Y+MDL N  
Alternative healers (for treatment of a medical condition) Y+MDL Y  
Ambulance and emergency health services Y N transportation
Anesthesia (for noncosmetic purposes, HSA compatible only for Dental, Vision services)  Y Y surgery, operation, dental, vision
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
Aspirin or other pain reliever  Y+Rx N Over-the-counter, medications, over the counter, OTC, 
Asthma medicines or treatments (over-the-counter) Y+Rx N contraceptive, contraception
Athletic treatments/braces Y N medical supplies
Bandages and related items (over-the-counter) Y N medical supplies, supports
Birth control (over-the-counter) Y+Rx N contraceptive, contraception,
Blood pressure monitor Y N medical supplies, bp
Body scans Y N hospital, doctor, x-ray
Braille books and magazines (difference in cost only) Y Y vision
Breast Pumps & Accessories Y N Maternity
Breast reconstruction surgery (following mastectomy) Y+MDL N operation
Breastfeeding classes Y N Maternity
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, medecine
Car modifications (as required for a medical condition) Y+MDL N Transport, Transportation
Child or newborn care instruction N N Maternity
Childbirth classes (charges for mother only) Y N Maternity, lamaze
Chiropractic care Y N Chiropractor
Cholesterol test kits and supplies Y N Medical supplies
Christian Science practitioners Y N  
Co-insurance (dental) Y Y Dentist
Co-insurance (medical) Y N Doctor, office visit
Co-insurance (prescription) Y N  
Co-insurance (vision) Y Y Vision, eye
COBRA premiums Y Y Insurance, policy
Cold and flu medicine  Y+Rx N Over-the-counter, medications, over the counter, OTC, medecine
Compression or anti-embolism socks, stockings or hose Y N  Medical supplies
Concierge medical fees (billed for actual services received) Y N  
Concierge medical fees (billed for future availability of services) N N  
Contact lenses and solutions Y Y Vision, eye, glasses
Contraceptives Y N Over-the-counter, medications, over the counter, OTC, prescription
Copayment (dental) Y Y dentist, office visit, co-pay, copay
Copayment (medical) Y N Doctor, office visit, co-pay, copay
Copayment (prescription) Y N co-pay, copay
Copayment (vision) Y Y office visit,co-pay, copay
Cord blood storage (for future treatment of a birth defect or known medical condition) Y+MDL 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 or surgery N N  
Cosmetic procedures or surgery for birth defects, accidents, and/or disease Y+MDL N reconstructive, operation
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 (for treatment of a medical or mental health condition) Y N therapy
Counseling (marriage) N N therapy
CPR classes (adult or child) N N education
Crutches, canes, walkers or like equipment (purchase or rental) Y N durable medical equipment, medical supplies
Deductible for dental plan Y Y Dentist
Deductible for prescription plan Y N  
Deductible for vision plan Y Y Eye
Dental care (for non-cosmetic purposes, including sealants) Y Y Dentist
Dental insurance / plan premiums Y Y  policy
Dental products for general health N N  
Dental reconstruction (including implants) Y Y Dentist
Dental veneers Y+MDL Y+MDL Dentist
Dental, oral, and teething pain products (over-the-counter) Y+Rx Y+Rx  
Dentures, bridges, etc. Y Y Dentist, Dental
Dermatology treatments and products Y+MDL N skin care
Diabetic monitors, test kits, strips and supplies Y N diabetes
Diagnostic services (dental or vision) Y Y  
Diagnostic services (medical) Y N  
Diaper rash ointments and creams (over-the-counter) Y+Rx N newborn, pediatric
Diapers and diaper services N N newborn, pediatric
Dietary supplements (for treatment of a medical condition) Y+MDL N  
Doula or birthing coach Y+MDL 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,
Dyslexia treatment Y+MDL 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 or program (as treatment for a medical condition diagnosed by a licensed healthcare professional) Y+MDL N weight loss, weight-loss, obesity
Eye drops and treatments Y+Rx Y Over-the-counter, medications, over the counter, OTC, vision
Eye examinations Y Y Vision, office visit
Eye related equipment/materials Y Y Vision
Eye surgery or treatment to correct vision Y Y Vision, operation
Eyeglasses (prescription) Y Y Vision, glasses, contacts
Face lifts N N Cosmetic
Feminine hygiene products N N  
Fertility monitor  Y N pregnancy
Fertility treatment Y N  
First aid kits  Y N medical supplies, bandages, bandaids
Fitness programs (as treatment for a medical condition diagnosed by a licensed healthcare professional) Y+MDL N wellness, obesity, weight loss, weight-loss
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,
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 (as treatment for a medical condition diagnosed by a licensed healthcare professional) Y+MDL N  wellness, obesity, weight loss, weight-loss
Health insurance premiums  Y Y Major Medical, individual
Health Savings Account (HSA) contributions N N  
Hearing aids and batteries Y N Medical supplies, hearing
Herbal or homeopathic medicines Y+MDL N medical supplies, over-the-counter
Home improvements (as required for a medical condition diagnosed by a licensed healthcare professional) Y+MDL N  wheelchair ramp, lift, inclinator
Hospital insurance premiums N N indemnity, lump-sum, lump sum
Hospital services and fees Y N  
Household help N N  
Humidifier, air filter and supplies Y+MDL N allergy, allergies, cold, asthma
Illegal surgeries or substances N N  
Immunizations Y Y Vaccines, preventive, wellness
Incontinence supplies Y N diapers, adult diapers
Individual dental insurance premium Y Y policy
Individual health insurance premium Y Y policy
Individual prescription insurance premium Y Y policy
Individual vision insurance premium Y Y policy
Infertility treatment Y N fertility
Insulin, testing materials and supplies Y N Diabetes
Laboratory fees Y N Lab, tests
Lactose intolerance medication Y+Rx N Over-the-counter, medications, over the counter, OTC
Lamaze classes (charges for mother only) Y N Maternity, childbirth, pregnancy
Laser / Lasik eye surgery Y Y Vision
Late payment fees charged by healthcare provider N N  
Laxatives  Y+Rx N Over-the-counter, medications, over the counter, OTC
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 (limited to $50 per night for patient to receive medical care and $50 per night for one caregiver) Y N hotel
Long-term care premiums Y Y policy, insurance
Long-term care services N N  
Magnetic therapy  Y+MDL N Alternative, Over-the-counter, medications, over the counter, OTC
Massage therapy (for treatment of a medical condition) Y+MDL N Alternative
Mastectomy-related special bras Y N breast, reconstructive
Maternity clothes N N  
Medical abortion Y N  
Medical equipment (for treatment of medical condition) and repairs Y N Medical supplies
Medical literature, books, pamphlets or audio N N Education
Medical monitoring and testing devices Y N  
Medical records charges Y N  
Medical supplies (for treatment of a medical condition) Y N  
Medicare Part A, Part B insurance premium Y Y policy
Medicare supplement insurance premium Y Y policy
Midwife  Y N Maternity, childbirth
Mileage (for travel to/from eligible healthcare) Y N transportation
Modified equipment (difference in cost only) Y+MDL 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
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
Nonprescription drugs and medicines (for non-cosmetic purposes) Y+MDL 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 (for treatment of a medical condition) Y+MDL N Over the counter, Over-the-counter, OTC, medication
OB/GYN fees Y N Doctor, Hospital, Childbirth, Maternity, wellness
Occlusal guards to prevent teeth grinding Y Y Dental, Dentist
Occupational therapy (related to a medical condition or disability) Y N rehabilitation, rehab
Office visits (chiro) Y N chiropractic, chiropractor
Office visits (dental) Y Y Dentist, teeth
Office visits (medical) Y N health, doctor
Office visits (psych/therapy) Y N mental health, counseling
Office visits (vision) Y Y  
Operations (for non-cosmetic purposes) Y N surgery
Operations (for vision and dental only) Y Y eye, surgery, teeth, dentis
Optometrist/ophthalmologist fees Y Y Vision, eye, office visit
Organ transplants (recipient and donor) Y N Hospital
Ortho keratotomy Y Y Vision
Orthodontia (braces and retainers) Y Y Dental, Dentist, teeth
Orthopedic and surgical supports Y N Medical supplies, equipment, braces
Orthopedic shoes and inserts (difference in cost only of specialized orthopedic shoe over like non-specialized shoe) Y+MDL N Medical supplies,
Orthotics Y N  
Ovulation monitor Y N Fertility, Maternity, Pregnancy
Oxygen Y N Medical Supplies, CO2
Parental fees (billed for actual services received; for disabled children) Y N  
Physical exams Y Y Wellness, Preventive
Physical therapy Y N rehabilitation
Pregnancy tests Y N Maternity, pregnancy, fertility, childbirth
Physician retainer fee (for on-call or concierge services) N N  
Prescription drugs (for non-cosmetic purposes) Y N Rx
Prescription drugs for cosmetic purposes N N  
Take-home urinary tract infection test Y N OTC, Pharmacy
Psychiatric / therapy Y N counseling, mental health
Radial keratotomy Y Y vision, cornea, surgery, operation, RK
Reading glasses Y Y Vision, eye
Sales tax, shipping and handling fees (for any eligible expense) Y N  
Sleep aids and sedatives (over-the-counter) Y+Rx N RX, Over the counter, Over-the-counter, OTC, medication
Smoking cessation (programs/counseling) Y N therapy, rehab
Smoking cessation drugs, including gum or patches Y+Rx N RX, Over the counter, Over-the-counter, OTC, medication, prescriptions
Special equipment Y+MDL N  
Special foods (gluten-free, salt-free or other for treatment of a medical condition; difference in cost only) Y+MDL N diet, dietary
Special school (for mental and physical disabilities) Y+MDL N Education
Speech therapy Y N  
Spermicidals Y+Rx N Contraceptive, contraception, birth control
Sterilization Y N Contraceptive, contraception, birth control
Student health fees for dental services (billed for actual services received) Y Y Dental, dentist
Student health fees for medical services (billed for actual services received) Y N Doctor, Hospital
Student health fees for prescriptions (billed for actual services received) Y N Rx, medications
Student health fees for vision services (billed for actual services received) Y Y eye
Sunglasses (prescription) Y Y Vision
Sunscreen with SPF 15+ and broad spectrum, sunburn creams and ointments 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 (for non-cosmetic purposes) Y N  
Swimming lessons (for treatment of a medical condition) Y+MDL N therapy, rehabilitation
Teeth bleaching or whitening N N Cosmetic, Dental
Toothpaste, medicated (difference in cost only of medicated toothpaste over the standard toothpaste) Y+Rx Y+Rx Dental
Toothpaste, toothbrush, floss, etc. N N Personal Use 
Transgender treatments/surgery Y+MDL N  
Transportation, parking and related travel expenses (essential to receive eligible care) Y N  
Tubal ligation Y N  
Tuition or educational classes (for a specific medical condition) Y+MDL N  
Urological products Y N  
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
Vision products Y Y Eye
Vitamins Y+Rx N Rx, prescription
Vitamins for general health purposes N N  
Walking aids (canes, walkers, crutches and related supplies) Y N Durable Medical equipment
Wart removal treatments  Y+Rx N  Over the counter, Over-the-counter, OTC, medication
Weight loss counseling Y+MDL N Obesity, therapy
Weight loss drugs (for treatment of a medical condition) Y+Rx N  Obesity, Rx, prescription
Weight loss foods N N  
Weight loss program (for treatment of a medical condition) Y+MDL N  Obesity
Weight loss program (to improve or maintain general health) N N  
Wheelchair and repairs Y N  
Wound care Y N Over the counter, Over-the-counter, OTC, medication, bandaids, bandages, wraps
X-ray fees (dental) Y Y Teeth, Dentist
X-ray fees (medical) Y N Hospital, Doctor