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What is Eligible with an HSA Card?

Published August 13, 2024

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Short answer: Yes—HSA cards can pay for many healthcare expenses, including prescriptions, doctor visits, dental, eye care, some OTC medications with a prescription, medical equipment, mental health services, plus items like acupuncture, chiropractic care, nicotine replacement, doctor-prescribed weight loss programs, and guide dogs.

Common eligible health expenses for HSAs

When it comes to using your HSA card, there are several eligible expenses that you can pay for. These expenses are not restricted to only medical services, but also cover a wide range of health-related items. Here are some common things that you can purchase with your HSA card:

  • Prescription medications
  • Doctor visits and medical consultations
  • Dental treatments such as cleanings, fillings, and braces
  • Eye care including exams, glasses, and contact lenses
  • Over-the-counter medications with a prescription
  • Medical equipment like crutches, blood pressure monitors, and wheelchairs
  • Mental health services including therapy sessions

Surprising HSA-eligible categories to know

In addition to these items, there are also some surprising expenses that you may not have known were eligible with your HSA card:

  • Acupuncture treatments
  • Chiropractic care
  • Nicotine gum or patches to help quit smoking
  • Weight loss programs prescribed by a doctor to treat obesity
  • Guide dogs for visually impaired individuals

Eligible expenses list repeated and expanded

Your HSA card is a powerful tool that can help you save money on numerous healthcare expenses. These include essential items like prescription medications and routine doctor visits. Additionally, it's important to note that your HSA card can also cover more than just traditional medical services. Here's a closer look at what is eligible:

  • Prescription medications
  • Doctor visits and medical consultations
  • Dental treatments such as cleanings, fillings, and braces
  • Eye care including exams, glasses, and contact lenses
  • Over-the-counter medications when accompanied by a prescription
  • Medical equipment like crutches, blood pressure monitors, and wheelchairs
  • Mental health services including therapy sessions

On top of these well-known expenses, there are also a few surprising categories that many people aren't aware of:

  • Acupuncture treatments
  • Chiropractic care
  • Nicotine gum or patches designed to help with smoking cessation
  • Weight loss programs recommended by a doctor as a treatment for obesity
  • Guide dogs for those who are visually impaired

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