A few common expenses aren't eligible for reimbursement through your general health FSA. Here's what to know.
Expense | Notes |
Insurance premiums | Including costs for temporary continuation of coverage (TCC/COBRA) |
Long-term care | Not reimbursable from a general health FSA |
Expenses covered under another health plan | You can't be reimbursed twice for the same expense |
Cosmetic surgery | Ineligible unless necessary to correct a deformity from illness, injury, or a congenital condition |
Health club dues | Ineligible, unless a Letter of Medical Necessity applies (see below) |
Household help | Ineligible, even if you're managing a medical condition |
Maternity clothes | Ineligible |
Nutritional supplements | Ineligible, unless a Letter of Medical Necessity applies (see below) |
Teeth whitening | Ineligible, considered cosmetic |
Veterinary fees | Ineligible |
Weight-loss programs | Ineligible, unless a Letter of Medical Necessity applies (see below) |
Source: IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans
Letter of Medical Necessity
Some expenses in the table above, like health club dues, nutritional supplements, and weight-loss programs, aren't automatically eligible, but may still qualify if a doctor provides a Letter of Medical Necessity confirming the expense treats a specific diagnosed condition. (See "Eligible expenses for your general health FSA" for what is covered.)