Medical Services (Typically) Not Covered by an FSA

While many medical services are FSA eligible, not everything is covered by a Flexible Spending Account. IRS publication 502 outlines exactly which services are FSA eligible.

If you have any doubts about FSA coverage for products or services, contact your FSA administrator about the details of your FSA plan, or check the Summary Plan Description for information.

Medical Necessity 

Services must always be medically necessary to qualify for FSA reimbursement. For instance, services provided by a dentist are FSA eligible as long as they include routine exams, fillings, and other medical procedures.

Questions often come up about specific medical expenses. Check out the examples below to get an idea of popularly asked about services.

Not eligible

Teeth whitening. Since it’s a cosmetic procedure, you would not be able to use your FSA to cover costs.

Funeral costs. You would not be able to pay for funeral costs with your FSA.

Maternity clothes. While baby care items such as breast pumps, overnight underpants, and baby thermometers are FSA eligible, maternity clothes are not covered by an FSA.

Possibly covered (depending on medical need)

Fees paid to a gym. Gym membership for recreational purposes is not covered by an FSA. Gyms can be considered FSA eligible if particular exercise is recommended by a doctor and prescribed through a Letter of Medical Necessity.

Cosmetic surgery. Since cosmetic surgery is intended to improve someone’s appearance without treating a disease or being medically necessary, it does not qualify for FSA reimbursement. However, cosmetic surgery would be allowed if it is medically necessary resulting from a personal injury or related to a disfiguring disease or congenital abnormality.

Search for nearby FSA Eligible Services at!

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