Eligible Health Care Expenses

A (top)

• Acne treatment, includes over-the-counter acne medications; excludes cost of regular skin care
• Acupuncture
• Alcoholism treatment
• Allergy treatments (over-the-counter drugs, prescription medications and allergy shots)
• Alternative healers, professional fees of Ambulance service
• Antacids
• Artificial insemination
• Artificial limb/teeth
• Autoette (wheelchair)
• Automobile modifications (if medically necessary)

B (top)

• Battery-powered toothbrush (if medically necessary and prescribed by physician)
• Birth control pills (Norplant, ovulation kits)
• Blood pressure monitoring devices
• Body scans for diagnostic purposes
• Bone density testing
• Braille books and magazines (excess of amount paid over cost of regular printed editions) bought for visually impaired person

C (top)

• Childbirth expenses (physician, midwife)
• Childbirth preparation classes (excludes portion of mother’s coach, feeding and newborn care)
• Chiropractor professional fees
• Cholesterol testing
• Christian Science Practitioner fees
• Circumcision
• Co-insurance, co-pay amounts and deductibles
• Cold Medicine (over-the-counter drugs including sore throat sprays, lozenges, nasal sprays, cough syrups, cough drops, vapor rubs and prescription medications)
• Computer data bank fees, medical history
• Contact lenses and cleaning solutions
• Contraceptives (birth control pills, condoms, spermicides)
• Corneal Ring Segments (permanent contacts, non-laser)
• Cosmetic surgery and procedures to correct congenital abnormality or treat injury resulting from accident
• Counseling (for treatment of specific medical condition)
• Crutches

D (top)

• Deductibles
• Dental treatment (includes exams, x-rays, fillings, root canals, gum disease treatment, crowns, bridges, dentures, implants, sealants, extractions, orthodontia; does not include cosmetic treatments such as teeth whitening, dental veneers, bonding, etc.)
• Dental veneers (for non-cosmetic reasons)
• Diabetic supplies (insulin, syringes, testing strips, glucometers)
• Diagnostic services and tests
• Diapers (if required due to medical condition)
• Drug dependency treatments
• Drugs (prescription drugs, insulin; see Over-the-counter Drugs/Medicines; does not include cosmetic drugs (e.g., Retin-A, Renova, Propecia, etc.)
• Dyslexia treatment

E (top)

• Egg donor charges for recipient
• Eye surgery (cataract, LASIK, corneal rings, etc.)
• Eyeglasses, prescription (includes prescription sunglasses; also includes over-the-counter reading glasses)
• Eye examinations

F (top)

• Fertility exams
• Fertility treatments (ovulation predictor kits and pregnancy tests, in vitro fertilization, surgery or operations to reverse a prior surgery that prevents you from having children)
• First Aid Kit
• Flu shots
• Fluoridation device (if medically necessary & prescribed by physician)

G (top)

• Genetic testing
• Guide dog or other animal used to assist persons with physical disabilities
• Gynecologists’ fees

H (top)

• Health institute
• Health insurance deductibles (associated with specific costs)
• Health screening (cholesterol checks, bone density testing, blood pressure testing, hearing exams)
• Hearing aids and batteries
• Home health care
• Home medical equipment
• Home modifications for handicapped person (see IRS Pub 502), capital expense)
• Hospital services
• Hypnosis for medical reasons

I (top)

• Immunizations
• In vitro fertilization
• Inclinator
• Infertility treatments
• Insulin and syringes

L (top)

• Laboratory fees
• Lamaze classes (see childbirth classes)
• Language training for child with dyslexia or disabled child
• Laser eye surgery (cataract, LASIK, corneal rings, etc.)
• Lead-based paint removal
• Learning disability caused by mental or physical impairment, or nervous system disorders (treatment must be recommended by physician
• Legal fees (fees you pay that are necessary to authorize treatment for mental illness)
• Lodging (see IRS Pub 502), - Lodging)
• Long-term care services

M (top)

• Mastectomy-related special bras (the cost over & above the cost of a normal bra)
• Meals (only as part of inpatient hospital care)
• Medic-alert bracelet
• Medical conference admission and transportation to/from (if concerns chronic medical condition of you, spouse or child)
• Medical equipment (crutches, wheelchairs, walkers)
• Medical information plan
• Medical monitoring and testing devices
• Medical records charges
• Medical services provided by physicians, surgeons, specialists or other medical practitioners
• Medical Supplies (bandages, band-aids, gauze pads, thermometers, hot/cold packs, heating pads, nasal (breathe-right) strips, etc.)
• Medicines/Drugs (prescription drugs, over-the-counter drugs or insulin; does not include cosmetic drugs)
• Mentally handicapped, special home for person adjusting from life in mental institution to community living
• Mileage or Fares related specifically to an eligible medical visit (to and from healthcare providers, hospitals, pharmacies- paid by cents per mile)

N (top)

• Norplant insertion and removal
• Nursing home (if necessary for medical care and only the portion for medical services)
• Nursing services
• Nutritionist's professional expenses (if treating a specific medical condition; not for weight loss for general health)

O (top)

• Obstetrical expenses
• Occlusal guards to prevent teeth grinding
• Occupational therapy
• Operations (legal operations that are not cosmetic in nature)
• Optometrist fees
• Oral surgery
• Organ donation fees
• Orthodontia
• Orthopedic devices
• Orthopedic shoes (to the extent the cost exceeds that of normal shoes)
• Osteopath fees
• Over-the-counter Drugs/Medicines (does not include cosmetic items, vitamins, herbal and dietary supplements or items for general good health)
• Ovulation monitor
• Oxygen equipment

P (top)

• Pain Relievers
• Patterning exercises
• Physical exams, routine physicals
• Physical therapy
• Physicians fees
• Pregnancy test, over-the-counter
• Prescription drugs (for non-cosmetic reasons)
• Prescription eyeglasses or prescription sunglasses
• Prosthesis
• Psychiatrists’ fees (for medical reasons)
• Psychologists’ fees (for medical reasons)
• Psychotherapists’ fees (for medical reasons)
• Psychoanalysis
• Psychologist fees

R (top)

• Radial keratotomy/Ortho keratology
• Reading glasses (prescription glasses or over-the-counter glasses)
• Reconstructive surgery following mastectomy
• Reverse vasectomy
• Routine physicals

S (top)

• Schools and education, special (for mentally impaired or physically disabled person - (See IRS Pub 502)
• Shipping & Handling charges for medical needs (for mail-order prescriptions and over-the-counter items)
• Sick-child care facility (for medical care only)
• Skilled nurses’ fees paid for medical reasons- including room, board and Social Security taxes
• Sleep disorder and treatment
• Speech therapy
• Sterilization procedures (vasectomy or tubal ligation)
• Stop-smoking programs (including hypnosis, over-the-counter gums and patches)
• Storage fees for embryo or sperm (fees for temporary storage of eggs or sperm only to extent used for immediate conception in current plan year)
• Storage fees for umbilical cord blood (fees for temporary storage only to extent used for medical condition in current plan year)
• Substance abuse treatment
• Sunglasses (if medically necessary and under physician's direction)
• Surgical fees (for legal operations not cosmetic in nature)

T (top)

• Taxes charged for medical services and products
• Telephone consultations with a health care provider
• Telephone or Television for hearing-impaired persons, special equipment for
• Therapy, physical or speech
• Transplants (donor expenses, if you pay those expenses)
• Transportation including mileage, fare for bus, taxi, train, plane and related travel expenses for person seeking treatment (See Mileage above and IRS Pub 502))
• Treatment for substance addiction

U (top)

• Usual and customary, charges in excess of

V (top)

• Vaccines, vaccinations
• Vasectomy
• Vitamins (only by prescription and medically necessary)

W (top)

• Walkers
• Weight-loss program (if medically necessary and under physician's direction)
• Wheelchair
• Wigs (if purchased upon advice of physician for mental health of patient)

X (top)

• X-ray fees

Ineligible Health Care Expenses

A (top)

• Adoption fees

B (top)

• Baby-sitting, childcare or nursing services for a healthy baby
• Boutique practice fees, retainer fees, concierge fees
• Breast pump

C (top)

• Chairs, recliner
• Childbirth preparation classes (portion that pertains to mother's coach, feeding and newborn care)
• Completing claim forms, fees for
• Controlled substances (marijuana, laetrile, etc.)
• Cord Blood Collection (can be reimbursed if there is a specific medical condition that the cord blood is intended to treat)
• Cosmetic surgery or procedures; cosmetic prescription drugs such as Retin-A, Renove, Propecia, etc. and cosmetics that contain acne fighting ingredients
• Counseling (marriage, family counseling)

D (top)

• Dancing lessons
• Dental veneers or bonding, or teeth whitening for cosmetic reasons
• Diaper service
• Divorce expenses
• Domestic help
• Doula services

E (top)

• Ear piercing
• Electrolysis or hair removal
• Exercise equipment for general health
• Exercise/Fitness programs for general health
• Expenses that have been reimbursed elsewhere, or that may be reimbursable under any other source
• Expenses not incurred during your period of coverage

F (top)

• Facelifts or other similar cosmetic treatments (dermabrasion, chemical peels, etc.)
• Funeral expenses

H (top)

• Hair transplant
• Health club membership dues
• Herbal supplements (dietary and nutritional supplements, vitamins, natural medicines, etc.)
• Household help

I (top)

• Illegal operations and treatments
• Insurance premiums

L (top)

• Lactation consultant for general instruction
• Laetrile
• Lamaze/Childbirth classes-see Childbirth preparation classes
• Late payment fees
• Lens replacement insurance
• Lifetime care fees
• Liposuction or other similar cosmetic treatments

M (top)

• Marriage, family counseling
• Massage therapy (unless recommended as medically necessary to treat a specific injury or illness; does not include therapy for stress or tension reduction)
• Marijuana
• Maternity clothes
• Mattress
• Meals while traveling to obtain medical care
• Medical newsletters
• Medical savings account

N (top)

• "No Show" doctor or dentist visits, charges for
• Nursing services for health baby
• Nutritional supplements (vitamins, herbal and dietary supplements, natural medicines, etc.)

P (top)

• Paternity testing
• Personal use items (items ordinarily used for personal, living or family purposes)
• Physical therapy treatments for general well-being
• Prepayment for services not yet provided
• Prescription drug discount programs, fees for

R (top)

• Recliner chair

S (top)

• Safety glasses
• Storage fees for embryo, sperm or umbilical cord blood, long term
• Student health fees
• Sun screen lotion
• Sunglasses, clip on
• Surrogate expenses
• Swimming lessons

T (top)

• Tanning salons and equipment
• Tattoo removal
• Tax Equity and Fiscal Responsibility Act (TEFRA)
• Teeth bleaching/whitening for cosmetic purposes
• Temporary Continuation of Coverage (TCC) premiums
• Tricare premiums

U (top)

• Union dues

V (top)

• Vacuum cleaner for allergies
• Varicose veins, treatment of
• Vision discount programs
• Vision service agreements or lens replacement insurance

W (top)

• Warranties/service contracts
• Weight loss programs for general health or appearance; diet foods for weight loss