What expenses are covered under my Medical FSA?

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  • An Medical or Health FSA covers eligible healthcare expenses that are not paid for by health insurance.

    Some examples of FSA-eligible expenses include:
    * Medical and dental deductibles and co-payments
    * Eye exams, contact lenses, and glasses
    * Prescription drug co-payments and co-insurance
    * Over-the-counter (OTC) products
    * Orthodontia or other dental care
    * Physical therapy
    * Chiropractic care

    View a more complete list of potentially eligible expenses here (from our website).

    There may be some rules regarding eligible expenses that are part of your specific plan so please call or e-mail us if you have a specific question.
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  • Would allergy drops that are not FDA approved and not covered by insurance be considered an eligible healthcare expense covered by a Health FSA?

    Tom
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  • Allergy drops (even if not FDA approved and not covered by your insurance) are considered an eligible healthcare expense as long as they meet the following criteria:

    1) They are not illegal (at a Federal level)
    2) They are for the prevention, treatment or cure of a disease or illness

    Note: If they are more of a supplement you would need a doctor's letter of medical necessity but it sounds like what you are talking about is truly a medication of some kind.

    Does that answer your question?
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  • I’m undecided
    Hi, jim. The link you posted above is broken. I'm trying to find out if a doula who helps during the laboring process of birth is a covered expense?
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  • Hi Brett, sorry about that! I fixed the link to the eligible expense list. Will you please submit a question about if a doula is an eligible FSA expense and I will provide a detailed answer for anyone else who may have this question?

    The short answer is yes, a doula is covered under an FSA, but only the portion of their services that relate to the actual birth of the child (nothing post-birth is covered, such as infant care training or new mom support group type costs).
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  • I have a claim for chiropractic care that was recently denied. Are there other items that need to be submitted (such as proof of medical necessity) in order to receive reimbursement? Thanks for your help!
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  • Krista (Customer Experience Manager) August 03, 2016 20:07
    Hi Maria,

    Payment only does not give us the date of service, description or amount paid that we need to verify the services happened within the plan year the funds are used. For example, a chiropractic service that happened in the previous plan year wouldn't be eligible to be used in the current plan year. Please make sure that the date or dates of service are visible, you can see the description of service or items and that the charge for those services or items is on that same statement. You can contact us if you need further assistance. 303-369-7886, we are in the office from 7a m to 6 pm MST. Have a great day!
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