afadvantage.com®
Welcome to afadvantage.com® Welcome to afadvantage.com®
Eligible Medical Expenses

Examples of Eligible Expenses
Below is a list of eligible expenses, this list will help you determine whether an expense is eligible or not. This list is to be used as a quick reference, but is not limited to these expenses alone. For more details, please refer to IRS Publication 502 or contact your personal tax advisor.
 
  • Acupuncture
  • Alcohol and drug rehabilitation
  • Ambulance
  • Anesthetist
  • Antihistamine
  • Artificial limbs and teeth
  • Aspirin
  • Birth control pills
  • Body Scan
  • Chiropractor
  • Christian Science practitioners
  • Circumcision
  • Co-Insurance amounts
  • Contraceptives
  • Deductibles
  • Dental care
  • Diabetic supplies
  • Drugs and medicines
  • Eye exam, eyeglasses, contact lenses, contact lens solutions and enzyme
  • Fertility Enhancements
  • Flu Shots
  • Guide Dog
  • Gynecologist
  • Hearing aids and batteries
  • Hospital services
  • Immunizations
  • Insect bite creams/ointments
  • Insulin
  • Laboratory fees
  • Laser Eye Surgery
  • Lip reading lessons
  • Massage for Medical Reasons*
  • Medical Examinations
  • Medical monitoring and testing devices
  • Midwife
  • Nursing care
  • Obstetrics
  • Orthodontia
  • Osteopath
  • Outpatient care
  • Pediatrician
  • Physical therapy
  • Physician
  • Podiatrist
  • Practical nurse
  • Prescription drugs
  • Psychiatrist
  • Psychologist
  • Rental or purchase of medical equipment
  • Screening tests
  • Smoking cessation program
  • Special ointment or cream for sunburn
  • Sterilization procedures
  • Supportive or corrective devices
  • Surgery
  • Toothache and teething pain relievers
  • Transplants
  • Transportation expenses relative to illness based on IRS standard mileage allowance
  • Viagra
  • Weight loss program for obesity
  • Wheelchair
  • X-ray fees
  •  
    Examples of eligible over-the-counter expenses
    The list below is a list of eligible over-the-counter expenses to help you in determining whether an expense is eligible or not. This list is to be used as a quick reference, but is not limited to these expenses alone. For more details, please refer to IRS Publication 502 or contact your personal tax advisor.
     
  • Allergy Medicine
  • Antacids
  • Anti-Diarrhea Medicine
  • Antiseptic spray or ointment
  • Bandages
  • Calamine Lotion
  • Carpal Tunnel Wrist Supports
  • Cold Medicine
  • Cold/Hot Packs for Injuries
  • Condoms
  • Cough Drops
  • Diaper Rash Ointments
  • First Aid Creams and Kits
  • Hemorrhoid Treatment
  • Incontinence Supplies
  • Laxatives
  • Liquid Adhesive for Small Cuts
  • Menstrual Cycle Products for Pain and Cramp Relief
  • Motion Sickness Pills
  • Nasal Sinus Sprays
  • Nasal Strips
  • Nicotine Gum or Patches
  • Pain Relievers
  • Pregnancy Test Kits
  • Products for Muscle/Joint Pain
  • Rubbing Alcohol
  • Sinus Medication
  • Sleeping Aids used to treat occasional insomnia
  • Spermicidal Foam
  • Thermometers
  • Throat Lozenges
  • Wart remover treatments
  •  
    The following list contains common medical expenses that are not eligible for reimbursement. . Again, this list is to be used as a quick reference, but is not limited to these expenses alone. For more details, please refer to IRS Publication 502 or contact your personal tax advisor.
     
  • Administrative Costs
  • Advanced Reimbursement
  • Babysitting or Child Care
  • Cosmetic Procedures/Surgery
  • Cosmetics
  • Deodorant
  • Dependent Day Care Expenses
  • Diapers or Diaper Service
  • Electrolysis or Hair Removal
  • Face Creams, Moisturizers, and Face-Lift
  • Funeral Expenses
  • Hair Removal/Hair Transplant
  • Illegal Operations/Treatments
  • Insurance Premiums
  • Lodging while attending a medical conference
  • Marijuana or other controlled substances
  • Nursing services for a baby
  • Premium for life insurance, income protection, loss of limbs, sight or similar benefits
  • Safety glasses, unless prescription lenses
  • Suncreen with an SPF below 30
  • Surrogate expenses
  • Teeth whitening
  • Toothbrushes or toothpaste
  • Travel for general health improvement
  • Vitamins for general well-being
  • Weight loss programs
  •  
    Also, the expense for coverage under any of the following constitutes as an HSA qualified medical expense.
  • COBRA or USERRA continuation coverage,
  • A qualified long-term care insurance contract based on the limited premiums provided in IRS Publication 502,
  • Any health plan maintained while the individual is receiving unemployment compensation under federal or state law, or,
  • For those age 65 or over (whether or not they are entitled to Medicare), any deductible health insurance (e.g., retiree medial coverage) other than a Medicare supplement policy.
  •  
    The Internal Revenue Service requires that you keep records sufficient to later show that:
  • The withdrawals were exclusively to pay or reimburse qualified medical expenses,
  • The qualified medical expenses had not been previously paid or reimbursed from another source, and
  • The medical expenses had not been taken as a itemized deduction in any year.

    Do not send records with your tax returns. Keep them with your tax records.

    The lists are not all-inclusive.
  • © American Fidelity Assurance Company 2007