FSA · HSA · HRA
FSA & HSA eligibility checker
Paste line items from a medical bill, an EOB, or a December drugstore run. Each one gets sorted into reimbursable, needs a letter of medical necessity, or will be denied — with the totals you need to decide whether a spend-down closes your remaining balance.
Keyword matching in your browser. Nothing is uploaded. Estimates only — your plan administrator has the final say.
Line items
One per line, amount at the end. Paste straight from a parsed bill or type them out.
Not sure what is left? Work it out from your pay stub →
Reimbursable now
$986.65
With a letter
$18.99
Will be denied
$412.00
$513.35 of your balance is still uncovered
$986.65 of what you pasted is clearly reimbursable against a $1,500.00 balance. The $18.99in the “needs a letter” column is the cheapest place to look next — a short note from your provider is often all that stands between it and a paid claim.
Line by line
Doctor visit copay or coinsurance — Your patient responsibility on an EOB is the reimbursable amount — not the billed charge.
Prescription drugs — Always eligible with a prescription. Keep the pharmacy printout, not the register receipt.
Vision — exams, glasses, contacts — A classic December spend-down: exams, prescription sunglasses and a year of contacts all qualify.
Vitamins and supplements — General health supplements need a letter of medical necessity. Prenatal vitamins are eligible without one.
Health insurance premiums — Premiums are NOT reimbursable from a health FSA, even though they are a medical cost.
Sunscreen SPF 15+ and first aid — Eligible — one of the most commonly missed categories.
Amount applied to deductible — Reimbursable once the service has been provided, even if you are still paying it off.
The categories this checks
| Expense | Verdict | Why |
|---|---|---|
| Doctor visit copay or coinsurance | Reimbursable | Your patient responsibility on an EOB is the reimbursable amount — not the billed charge. |
| Amount applied to deductible | Reimbursable | Reimbursable once the service has been provided, even if you are still paying it off. |
| Prescription drugs | Reimbursable | Always eligible with a prescription. Keep the pharmacy printout, not the register receipt. |
| Over-the-counter medicine | Reimbursable | Eligible without a prescription since the CARES Act. |
| Menstrual care products | Reimbursable | Explicitly eligible since the CARES Act. |
| Dental care | Reimbursable | Eligible, and also eligible under a limited-purpose FSA if you are protecting HSA eligibility. |
| Vision — exams, glasses, contacts | Reimbursable | A classic December spend-down: exams, prescription sunglasses and a year of contacts all qualify. |
| Chiropractic and physical therapy | Reimbursable | Eligible as medical care. |
| Therapy and mental health care | Reimbursable | Eligible as medical care. |
| Medical devices and supplies | Reimbursable | Eligible. Durable equipment is a good use of a large leftover balance. |
| Sunscreen SPF 15+ and first aid | Reimbursable | Eligible — one of the most commonly missed categories. |
| Health insurance premiums | Not reimbursable | Premiums are NOT reimbursable from a health FSA, even though they are a medical cost. |
| Cosmetic procedures | Not reimbursable | Not eligible unless it corrects a deformity from a congenital abnormality, injury or disease. |
| Gym memberships and general wellness | Needs a letter | Only with a letter of medical necessity naming a diagnosed condition. |
| Vitamins and supplements | Needs a letter | General health supplements need a letter of medical necessity. Prenatal vitamins are eligible without one. |
| Weight-loss programs | Needs a letter | Eligible only when prescribed to treat a specific diagnosed disease such as obesity or hypertension. |
| Toiletries and cosmetics | Not reimbursable | Everyday personal care is not a medical expense. |
| Daycare, preschool, after-school care | Reimbursable | Dependent care FSA only, not a health FSA. Overnight camp does not qualify. |
Questions people ask about this
Which number on a medical bill can I actually reimburse?
Your patient responsibility — the amount left after insurance — not the billed charge and not the allowed amount. On an EOB that is the line labelled "you may be billed" or "patient responsibility". Submitting the billed charge is one of the most common reasons a claim gets kicked back.
Can I reimburse a bill I have not paid yet?
For a health FSA, the expense has to have been incurred — meaning the care was provided — during the plan year. Whether you have paid the provider yet is a separate question from whether the service happened. A bill for care received in November is reimbursable even if you are still paying it off, but prepaying in December for care scheduled in February is not.
What is a letter of medical necessity?
A short note from a licensed provider stating the diagnosed condition, the item or service being recommended, and the duration of treatment. It converts a dual-purpose expense — supplements, a gym membership, a weight-loss program — into a reimbursable medical expense. Get it before you submit the claim, not after it is denied.
Are insurance premiums FSA-eligible?
No. Health insurance premiums cannot be reimbursed from a health FSA, even though they are unmistakably a medical cost. This surprises people every December.
What is the difference between FSA and HSA eligibility?
The list of qualifying medical expenses is essentially the same for both — IRS Publication 502 governs. The differences are in the account rules, not the expense list: an HSA has no annual spending deadline and the money is yours permanently, while a health FSA has a plan-year deadline and limited or no carryover.
Stop retyping line items
Upload a medical bill or EOB and get the CPT codes, charges, adjustments and patient responsibility back as structured data — then paste the line items straight in here. Three free, no credit card.
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