The definition includes expenses for the diagnosis, cure, mitigation, treatment or prevention of disease, or for the purpose of affecting any structure or function of the body. Any non-drug over-the-counter items must meet the definition of “medical care”. Vitamins and supplements: If the nutritional supplements are recommended by a medical practitioner as treatment for a specific medical condition diagnosed by a doctor, then they may be qualified.Īlthough over-the-counter drugs are generally not eligible HSA expenses, over-the-counter items that are not medicines still qualify. The substantiation by a physician should include a written prescription or order. However – there can be exceptions to this rule:įood: HSA owners CAN include the cost of special food if: (1) the food does not satisfy normal nutritional needs, (2) the food alleviates or treats an illness, and (3) the need for the food is substantiated by a physician. HSA owners usually cannot include the cost of diet food or beverages in medical expenses because these substitute for what is normally consumed to satisfy nutritional needs. Generally, weight-loss supplements, nutritional supplements, and vitamins are used for general health and are not qualified HSA expenses. Weight-loss supplements, nutritional supplements and vitamins An HSA owner can purchase insulin without a prescription as an eligible expense.Ģ. However, if an HSA owner gets a prescription for an over-the-counter drug, it is a qualified medical expense.Īs an aside, an exception to the general rule that OTC drugs are not eligible is insulin. Want to see a complete list of Health Spending Account eligible expenses? Here's 124 expenses that you can claim.īefore you get too excited about this one, over-the-counter drugs are generally not qualified as an HSA medical expense. However, some medical expenses that might often be overlooked may also be eligible HSA expenses for some people depending on the facts and circumstances in each case. All qualified medical expenses are permitted to be claimed under a Health Spending Account (HSA) and these include things most people would expect: prescription drugs, dental care, and eye care.
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