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Start here to maximize your rewards or minimize your interest rates. For security reasons, Cigna. Please update your browser, or use an alternative browser such as Google Chrome , Microsoft Edge , or Mozilla Firefox for the best Cigna. You can use them to reimburse yourself for eligible health care, dental, and dependent care expenses.
But it's important to know which expenses can be reimbursed. Please note that the list is subject to change based on regulations, revenue rulings, and case law.
The list is intended only as a general guideline for covered expenses. All items on the list may be subject to further restriction. Forms Center. The type of account you have may determine whose costs are covered and which costs are eligible. HSA - You can use your HSA to pay for eligible health care, dental, and vision expenses for yourself, your spouse, or eligible dependents children, siblings, parents, and others who are considered an exemption under Section of the tax code.
Your employer determines which health care expenses are eligible under your HRA. Refer to your plan documents for more details. Health Care FSA - You can use your health care FSA to pay yourself back for eligible health care, vision, and dental expenses for yourself, your spouse, or eligible dependents children, siblings, parents, and other dependents as defined in your plan documents. The following is an alphabetical list of frequently encountered items. Some of these items may be reimbursed, and some may not.
Each item is followed by a brief note of explanation. Acid controllers - Effective January 1, , a doctor's prescription for reimbursement is no longer needed ; see Over-the-counter medications. Acne medications - Effective January 1, , a doctor's prescription for reimbursement is no longer needed ; see Over-the-counter medications. Adoption - The cost of the adoption itself is not covered, however things like physicals for the adoptive parents, pre-adoption counseling, and other health related expenses may be covered.
Age Management Systems Cenegenics - This is a comprehensive, evidence-based approach to age management and includes a set of diagnostics establishing a hormonal, metabolic and physical baseline. This is considered general well-being and would not be covered unless prescribed by a physician to treat a medical condition.
Airplane air contaminant protection - Effective January 1, , a doctor's prescription for reimbursement is no longer needed Expenses paid for over-the-counter medications to prevent the spread of airborne contaminants while flying are reimbursable. Alcoholism and drug abuse - Medical expenses paid to a treatment center for alcohol or drug abuse are reimbursable. This includes meals and lodging provided by the center during treatment. Allergy and sinus - Effective January 1, , a doctor's prescription for reimbursement is no longer needed ; see Over-the-counter medications.
Alternative providers - Expenses paid to alternative providers for homeopathic or holistic treatments or procedures are generally not covered unless to treat a specific medical condition. Naturopathic procedures or treatments using natural agents such as air, water or sunshine are generally not reimbursable. Member's explanation of necessity required. Antibiotic products, non-prescribed - Effective January 1, , a doctor's prescription for reimbursement is no longer needed ; see Over-the-counter medications.
Anti-itch and insect bite - Effective January 1, , a doctor's prescription for reimbursement is no longer needed ; see Over-the-counter medications.
Annual medical contract fees - Annual medical contract fees for exclusive provider care are not eligible. Artificial limb - Medical expenses paid for an artificial limb are reimbursable. Back brace - Expenses paid for a back brace are reimbursable when submitted with a member's explanation of necessity.
Batteries - Expenses paid for the purchase of batteries are reimbursable when they are used for the sole purpose of an item that is also covered. This would include, but not be limited to, batteries for blood pressure machines, wheelchairs, heart defibrillators, etc.
Request for reimbursement should include a description of the item the batteries are purchased for. Benefit maximum - Expenses denied by medical insurance as benefit maximum s have been exhausted are reimbursable. Birth control pills and devices - Medical expenses paid for birth control pills, injections and devices are reimbursable. Braille books and magazines - The amount by which the cost of Braille books and magazines for use by a visually impaired person exceeds the price for regular books and magazines is reimbursable.
Breast augmentation - Expenses related to breast augmentation such as implants or injections are not reimbursable because the procedure is cosmetic in nature. However, medical costs related to the removal of breast implants that are defective or are causing a medical problem are reimbursable. Breast reduction - Medical expenses related to breast reduction surgery are reimbursable only with a physician's diagnosis letter explaining that the procedure is medically required and not for cosmetic purposes that is, to prevent or treat an illness or disease.
Breathing strips - Effective January 1, , a doctor's prescription for reimbursement is no longer needed ; see Over-the-counter medications. Capital expenses - If their main purpose is medical care, capital expenses paid for special equipment installed in a participant's home or for improvements to the home are reimbursable. Pay yourself back for medically necessary special equipment. Car - Medical expenses are reimbursable for special hand controls and other special equipment installed in a car for the use of a person with disabilities.
Also, the amount by which the cost of a car specially designed to hold a wheelchair exceeds the cost of a regular car is a reimbursable medical expense. However, the cost of operating a specially-equipped car is not reimbursable. See Transportation.
Childbirth classes - Expenses for childbirth classes are reimbursable, but are limited to expenses incurred by the mother-to-be. Expenses incurred by a "coach"— even if that is the father-to-be are not reimbursable if they are billed separately. To qualify as medical care, the classes must address specific medical issues, such as labor, delivery procedures, breathing techniques, and nursing.
Newborn classes are not eligible. Christian Science practitioners - Medical expenses paid to Christian Science practitioners are reimbursable. Clothing - The cost of clothing - even if prescribed - that substitutes for normal clothing is not deductible. However, prescribed special clothing purchased to alleviate or treat an illness or disease is reimbursable only to the extent that the cost is greater than the cost of the item s commonly available.
Your employer determines which health care expenses are eligible under an HRA. To determine if a specific expense is paid by your HRA, please refer to your coverage plan. Compound medications - Medications produced by medical professionals to treat a medical condition are reimbursable.
Conference - Amounts paid by an individual for admission and transportation expenses to a medical conference relating to the chronic disease of the individual or individual's eligible dependent are deductible if the costs are primarily for and essential to the medical care of the chronic disease.
The cost of meals and lodging while attending the conference are not deductible as medical expenses. The claim submission must include the diagnosis. Copies of medical records or radiographs - Payments required to have medical records or radiographs duplicated are reimbursable. Corn pads - Effective January 1, , a doctor's prescription for reimbursement is no longer needed ; see Over-the-counter medications. Cosmetic procedures - Medical expenses for cosmetic procedures are reimbursable only if the procedure is necessary to improve a deformity arising from, or directly related to, a congenital abnormality, a personal injury resulting from an accident or trauma, or a disfiguring disease.
However, medical expenses paid for other cosmetic procedures are not deductible medical expenses under Code Section d , and thus are not reimbursable. This applies to any procedure that is directed at improving the patient's appearance and does not meaningfully promote the proper function of the body or prevent or treat illness or disease.
For example, face lifts, hair transplants, hair removal electrolysis , liposuction, teeth bleaching and dental veneers are generally not deductible. If there is a concern that a medical or dental procedure could be considered cosmetic, a medical diagnosis is required. Cough, cold and flu medicines - Effective January 1, , a doctor's prescription for reimbursement is no longer needed ; see Over-the-counter medications.
CPR classes - Expenses paid for CPR classes as part of birthing classes are reimbursable, otherwise a physician's diagnosis letter for the family member is required. Dancing lessons, swimming lessons, etc.
Day-after pill - Expenses paid for the purchase of pills to eliminate pregnancy risk are reimbursable. Deductibles - Medical insurance deductibles and coinsurance amounts under the employer's plan are reimbursable.
Dental Enamel Micro-Abrasion - This is also known as dental bleaching. Service is covered with a medical diagnosis. Dental treatment - Medical expenses for dental treatment are reimbursable. This includes fees paid to dentists for X-rays, models and molds, fillings, braces, extractions, dentures, dental implants and the difference in cost from insurance-approved restorations and alternative materials, etc.
Veneers are covered only when medically necessary, but are not covered for purely cosmetic reasons. See Cosmetic procedures. Diaper service - Payments for diapers or diaper services are not reimbursable unless they are needed to relieve the effects of a particular disease. Donor egg extraction - Procedural expenses paid for the process of donor egg extraction to treat infertility are reimbursable.
Doula - Expenses paid for a doula whose primary purpose is for delivery of the infant are reimbursable. Charges where the primary purpose is child care after delivery are not covered. An explanation of the primary purpose should accompany the claim. Dry cast, protectors - Expenses paid for the purchase of dry casts and bandage protectors are reimbursable.
Ear wax removal - Effective January 1, , a doctor's prescription for reimbursement is no longer needed ; see Over-the-counter medications. Electric toothbrush - Expenses paid for the purchase of electric toothbrushes are reimbursable when submitted with a medical diagnosis.
Electric toothbrush replacement brushes are not reimbursable. Embryo storage - Expenses paid for embryo storage are reimbursable. Medical diagnosis is required. Employment-related expenses - Employment-related expenses such as employment physicals are not reimbursable.
Note, however, that physical exams that are not employment-related are reimbursable. See Physical exams. Exercise equipment - The cost of exercise equipment for general well-being is not reimbursable unless submitted with a medical diagnosis. Eye drops - Effective January 1, , a doctor's prescription for reimbursement is no longer needed ; see Over-the-counter medications. Facial cleansers, toners, moisturizers - Effective January 1, , a doctor's prescription for reimbursement is no longer needed ; see Over-the-counter medications.
Fee for credit card payment - Fee is eligible when the provider or dependent care provider bills a fee for paying with a credit card. Fitness programs - Fitness programs for general health are not reimbursable unless submitted with a medical diagnosis.
Fluoride, prescribed - Expenses paid for fluoride toothpaste or rinses prescribed to treat a specific medical condition are covered. Forms Completion - Charges incurred by the member for provider completion of required forms i. Gift cards - Gift cards can be used to purchase items and the receipts for those items can then be submitted for reimbursement.
Guardianship fees - Fees associated with establishing guardianship for an incapacitated individual are reimbursable. Heartburn medicines - Effective January 1, , a doctor's prescription for reimbursement is no longer needed ; Covered to alleviate or treat injuries or sickness, see Over-the-counter medications.
Herbs - The cost of herbs taken for general well-being are not reimbursable. However, the cost of herbs taken to alleviate a specific medical condition are reimbursable. Home urine test kit - Expenses paid for home urine test kits are reimbursable. See Kits. Hormone replacement therapy - Hormone replacement therapy hormone pellets are covered with a medical diagnosis. Hospital - Expenses incurred as a hospital in-patient or out-patient for laboratory, surgical and diagnostic services qualify as medical expenses.
Hot pads, creams, and patches - Effective January 1, , a doctor's prescription for reimbursement is no longer needed ; see Over-the-counter medications. Household help - The cost of household help, even if recommended by a doctor, is prohibited.
However, certain expenses paid to an attendant providing nursing-type services are reimbursable. See Nursing services. Human guide - Expenses for a human guide - to take a blind child to school, for example - are reimbursable. Walmart doesn't currently accept HSA cards as a payment method, though, so customers who buy items from its HSA Shop use a credit or debit card and then submit an order receipt to their plan administrator for reimbursement.
In , Amazon began accepting HSA debit cards as a form of payment for approved items including pregnancy tests, first aid kids and back-support belts. You can even limit your searches by selecting the "HSA Eligible" filter. Summer essentials? All HSA-eligible! More: Millions of people take a daily aspirin for heart health.
They might not need to. For people who don't generally get sick or spend a lot on medical expenses, an HSA can still prove beneficial. If necessary, you can withdraw money from your HSA for non-medical things, but Hogan doesn't recommend it. Some of the offers on this page may not be available through our website. Offer pros and cons are determined by our editorial team, based on independent research.
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