HSA qualified medical expenses (QME)
Discover what medical expenses your HSA may cover—from prescriptions to fitness programs.
Rx Only eligible with a prescription
LMN Only eligible with a Letter of Medical Necessity
Non-Qualifying Medical Expenses
Most Popular HSA Expenses
Dental & Vision
- Braces
- Dental Cleanings
- Denturist
- Orthodontia
- Eye Exams
- Eyeglasses & Contact Lenses
General
- Ambulance
- Annual Physical Exams
- Chiropractor
- Hospital Services
- Lab Fees
- Nursing Services
- Surgery
- X-Rays
Medication
- Insulin
- Prescription Drugs
- Over-the-Counter Medications
COVID-19
- COVID-19 Testing
- COVID-19 Treatment
- COVID-19 PPE (masks, sanitizer, etc.)
A
- AA Meeting Transportation
- Abortion
- Acne Treatment (Rx)
- Acupuncture
- Adoption (medical expenses)
- Air Purifier (LMN)
- Alcoholism Treatment
- Allergy Testing & Treatment
- Alternative Healers (LMN)
- Ambulance
- Amniocentesis
- Anesthesia
- Annual Physical Exams
- Anxiety Medication (Rx)
- Arch Supports (Rx)
- Artificial Limbs
- Artificial Teeth
- Asthma Inhalers
B
- Back Supports & Braces
- Bandages
- Birth Control
- Blood Pressure Monitors
- Blood Tests
- Body Scan (diagnostic)
- Braces (dental)
- Breast Pumps & Supplies
- Breast Reconstruction (post-mastectomy)
C
- COBRA Premiums
- COVID-19 PPE
- COVID-19 Testing
- COVID-19 Treatment
- Cardiac Rehabilitation
- Chiropractor
- Circumcision
- Cold/Hot Packs
- Contact Lenses & Solution
- Contraceptives
- Co-Pays & Deductibles
- Crutches
D
- Dental Cleanings
- Dental Crowns
- Dental Implants
- Dental X-Rays
- Dentures
- Dermatology
- Diabetic Supplies
- Diagnostic Tests
- Doula Services (LMN)
- Drug Addiction Treatment
E
- Ear Surgery
- Elastic Bandages
- Emergency Room
- Epinephrine Auto-Injectors
- Eye Drops (Rx)
- Eye Exams
- Eye Surgery (LASIK, etc.)
- Eyeglasses
F
- Face Masks (medical)
- Fertility Enhancement
- First Aid Kits
- Flu Shots
- Fluoride Treatments
- Foot Orthotics (Rx)
G
- Genetic Testing
- Glucosamine (LMN)
- Glucose Monitors
- Guide Dog Expenses
- Gum Treatment
H
- Hand Sanitizer
- Hearing Aids & Batteries
- Hearing Tests
- Heart Monitors
- Home Health Care
- Hormone Replacement Therapy (Rx)
- Hospital Services
- Hydrotherapy (LMN)
I
- Immunizations
- Incontinence Supplies
- Infertility Treatment
- Inpatient Care
- Insulin
- Iron Supplements (Rx)
- IVF (In Vitro Fertilization)
J
- Joint Replacement
- Joint Supports & Braces
K
- Kidney Dialysis
- Knee Braces
L
- Lab Fees
- Laboratory Tests
- Lactation Classes (LMN)
- Laser Eye Surgery
- Lead-Based Paint Removal
- Learning Disability Treatment
- Lodging (medical travel, up to $50/night)
- Long-Term Care Premiums (limited)
M
- Mammograms
- Massage Therapy (LMN)
- Maternity Care
- Medical Alert Bracelet
- Medical Conference Fees
- Medical Equipment
- Medical Records Charges
- Medicare Premiums (Parts A, B, D)
- Menstrual Products
- Mental Health Treatment
- Midwife Services
- Mileage (medical travel)
N
- Nasal Strips
- Nebulizer
- Nicotine Patches & Gum
- Nursing Home (medical reasons)
- Nursing Services
O
- Obstetrical Expenses
- Occupational Therapy
- Optometrist Fees
- Oral Surgery
- Organ Donor Expenses
- Orthodontia
- Orthopedic Shoes (Rx)
- Osteopath
- Over-the-Counter Medications
- Oxygen Equipment
P
- Pain Relievers (OTC)
- Pap Smear
- Parking (medical visits)
- Pediatric Care
- Physical Exams
- Physical Therapy
- Podiatrist
- Pregnancy Tests
- Prenatal Vitamins (Rx)
- Prescription Drugs
- Prostheses
- Psychiatric Care
- Psychologist
Q
- Qualified Long-Term Care Services
R
- Radiology
- Reading Glasses
- Rehabilitation Services
- Reproductive Health
- Respiratory Therapy
- Retinol (Rx)
S
- Sanitizer (hand)
- Sinus Medication (Rx & OTC)
- Skilled Nursing Facility
- Smoking Cessation Programs
- Special Education (LMN)
- Speech Therapy
- Splints
- Sterilization
- Substance Abuse Treatment
- Sunscreen (SPF 15+)
- Surgery
- Surgical Stockings
T
- Teeth Cleaning
- Telephone (special for hearing impaired)
- Therapy
- Thermometers
- Transplant (organ/tissue)
- Transportation (medical)
- Tubal Ligation
U
- Ultrasound
- Urinalysis
V
- Vaccines
- Vasectomy
- Vision Correction (LASIK, PRK)
- Vitamins (Rx)
W
- Walker
- Weight-Loss Program (LMN)
- Wheelchair
- Wigs (for disease-related hair loss)
X
- X-Rays
Y
- Yoga (LMN for specific condition)
Z
- Zyrtec (OTC allergy medication)
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.