Spending in US: Qualified Medical Expenses under HSA

THINGS to REMEMBER before you PROCEED:

This list is only applicable to people living in USA who have medical insurance and are enrolled in an HSA plan.
Qualified medical expenses (QMEs) are designated by the IRS and include medical, dental, vision, and prescription expenses.
QMEs are subject to change by the IRS at any time.
It is the member's responsibility to verify that expenses incurred are designated by the IRS and by the plan sponsor as a QME.
This list is not comprehensive. It is provided to you with the understanding that we are not engaged in rendering tax advice.
The information provided is not intended to be used to avoid federal tax penalties.
Eligible dependents include children under 13 years of age, and a spouse or other dependent that is physically or mentally incapable of caring for themselves.
If you have an HRA or FSA (not HSA), your employer’s plan may only reimburse a subset of expenses.
Please refer to your Plan Document for confirmation of reimbursable expenses under your plan.
Over-the-counter drugs no longer require a prescription to be reimbursed as of Jan 1, 2020.
For more detailed information, please click here. If tax advice is required, you should seek the services of a professional.

Acupuncture
Ambulance
Artificial limbs
Artificial teeth*
Birth control treatment
Blood sugar test kits for diabetics
Breast pumps and lactation supplies
Chiropractor
Contact lenses and solutions*
COVID-19 diagnostic testing and treatment
Crutches
Dental treatments (including X-rays, cleanings, fillings, sealants, braces and tooth removals*)
Doctor’s office visits and co-pays
Drug addiction treatment
Drug prescriptions
Eyeglasses (Rx and reading)*
Fluoride treatments*
Feminine hygiene products
Fertility enhancement (including in-vitro fertilization)
Flu shots
Guide dogs
Hearing aids and batteries
Infertility treatment
Inpatient alcoholism treatment
Insulin
Laboratory fees
Laser eye surgery*
Medical alert bracelet
Medical records charges
Midwife
Occlusal guards to prevent teeth grinding
Orthodontics*
Orthotic Inserts (custom or off the shelf)
Over-the-counter medicines and drugs (see more information below)
Personal protective equipment (PPE) like masks and hand sanitizer
Physical therapy
Special education services for learning disabilities (recommended by a doctor)
Speech therapy
Stop-smoking programs (including nicotine gum or patches, if prescribed)
Surgery, excluding cosmetic surgery
Vaccines
Vasectomy
Vision exam*
Walker, cane
Wheelchair

Weight-loss program only if it is a treatment for a specific disease diagnosed by a physician (e.g., obesity, hypertension, heart disease)
Compression hosiery/socks, antiembolism socks or hose
Massage treatment for specific ailment or diagnosis
CPR classes for adult or child
Improvements or special equipment added to a home or other capital expenditures for a physically handicapped person

Listed below are some services and expenses that are not eligible for reimbursement. This list is not all-inclusive:

https://www.hsabank.com/hsabank/learning-center/irs-qualified-medical-expenses

https://www.cigna.com/individuals-families/member-resources/hsa-fsa-hra-payments

https://www.irs.gov/forms-pubs/about-publication-502

https://healthequity.com/qme