Qualified Medical Expenses (QME)

Discover the many uses for your HSA and FSA by searching the list of medical expenses.

Qualified medical expenses (QMEs) are designated by the IRS and include medical, dental, vision, and prescription expenses. QMEs are subject to change by the IRS at any time. It is the member's responsibility to verify that expenses incurred are designated by the IRS and by the plan sponsor as a QME. Please visit the IRS website and review the Eligible Expense List on your member portal for more information.

Conditions for qualification apply. Hover over the item to learn more.

Conditions for qualification apply.
Tap the item to learn more.

A
  • AA meetings, transportation to

  • Acne treatment

  • Activity tracker

  • Acupressure

  • Acupuncture

  • Adaptive equipment

  • Adoption (medical expenses related to)

  • Air conditioner

  • Air purifier

  • Alcoholism treatment

  • Allergy treatment products other than medicine

  • Alternative healers

  • Allergy medicine

  • Ambulance

  • Analgesics

  • Anesthesia

  • Antacids

  • Anti-itch creams

  • Antibiotic ointments

  • Antihistamines

  • Arthritis gloves

  • Artificial limbs

  • Artificial teeth

  • Asprin

  • Asthma delivery devices and medications

  • Athletic brace support (ankle, elbow, wrist, knee etc. - for medical condition)

  • Automobile modifications

B
  • Bactine

  • Bandages, for torn or injured skin

  • Batteries

  • Behavioral modification programs

  • Birth-control pills (over-the-counter)

  • Birthing classes

  • Blood storage

  • Blood-pressure monitoring devices

  • Blood-sugar test kits and test strips

  • Body scans

  • Books, health-related

  • Botox

  • Braille books and magazine

  • Breast pumps

  • Breast reconstruction surgery following mastectomy

  • Breastfeeding classes

  • Breastfeeding supplies

C
  • Calamine lotion

  • Calcium supplements

  • Cancer screenings

  • Capital expenses

  • Car modifications

  • Carpal tunnel wrist supports

  • Chelation therapy

  • Childbirth classes

  • Chinese herbal practitioners

  • Chiropractors

  • Cholesterol test kits

  • Chondroitin

  • Christian Science practitioners

  • Circumcision

  • Classes, health-related

  • Club dues and fees

  • Co-insurance amounts

  • Co-payments

  • COBRA premiums

  • Cold medicine

  • Condoms

  • Concierge medical fees (billed for actual services received)

  • Contact lenses, materials, and equipment

  • Contraceptives

  • Corneal keratotomy

  • Cough suppressants

  • Counseling

  • COVID testing

  • CPAP (continuous positive airway pressure) devices

  • Crowns, dental

  • Crutches

D
  • Dancing lessons

  • Decongestants

  • Deductibles

  • Dental, oral and teething pain products (over-the-counter)

  • Dental sealants

  • Dental services and procedures

  • Dental Veneers

  • Dentures and denture adhesives

  • Dermatology

  • Diabetic socks

  • Diabetic supplies

  • Diagnostic items/services

  • Diaper rash ointments and creams

  • Diapers or diaper service

  • Diarrhea medicine

  • Dietary supplements

  • Disabled dependent care expenses

  • DNA collection and storage

  • Doula

  • Drug addiction treatment

  • Drug overdose, treatment of

  • Durable medical equipment

E
  • Ear plugs

  • Ear wax removal

  • Eczema treatments

  • Egg donor fees

  • Eggs and embryos, storage fees

  • Elevator

  • Exercise equipment or programs

  • Expectorants

  • Eye drops

  • Eye examinations, eyeglasses, equipment, and materials

F
  • Feminine hygiene products

  • Fertility monitor (over-the-counter)

  • Fertility treatments

  • Fever-reducing medications

  • Fiber supplements

  • First aid cream

  • First aid kits

  • Fitness programs

  • Flu shots

  • Fluoridation services

  • Flouride rinses

  • Food thickeners

  • Foods

  • Foreign countries, medical care received in

G
  • Gambling problem, treatment for

  • Gastric bypass surgery & including excess skin removal

  • Gauze pads

  • Genetic testing and counseling

  • Glucosamine

  • Glucose-monitoring equipment

  • Guide dog

H
  • Hair removal, regrowth, and transplants

  • Hand Sanitizers and Hand Sanitizing Wipes (must be 60%+ alcohol base to qualify)

  • Headache medications

  • Health club fees

  • Health institute fees

  • Hearing aid batteries

  • Hearing aids

  • Hemorrhoid treatments

  • Herbs

  • HMO premiums

  • Holistic or natural healers

  • Home improvements (such as exit ramps, widening doorways, etc.)

  • Hormone replacement therapy

  • Hospital services

  • Human guide

  • Humidifier

  • Hydrotherapy

  • Hypnosis

I
  • Immunizations

  • Inclinator

  • Incontinence supplies

  • Infant formula

  • Infertility treatments

  • Insect repellent

  • Insect-bite creams and ointments

  • Insulin

  • Insurance premiums

  • IVF (in vitro fertilization)

L
  • Laboratory fees

  • Lactation consultant

  • Lactose intolerance tablets

  • Lamaze classes

  • Language training

  • Laser eye surgery, Lasik

  • Laxatives

  • Lead-based paint removal

  • Learning disability, instructional fees

  • Legal fees in connection with fertility treatments

  • Legal fees, general

  • Lice treatment

  • Lip products, medicated

  • Liquid adhesive for small cuts

  • Lodging at a hospital or similar institution

  • Lodging not at a hospital or similar institution 

  • Lodging of a companion

  • Long-term care insurance premiums

  • Long-term care services

M
  • “Morning-after” contraceptive pills

  • Face masks (which include multiple layers of non-woven material and nose wire; examples include N95, KN95 and disposable face masks)

  • Massage therapy

  • Mastectomy-related special bras

  • Mattresses

  • Maxi pads

  • Meals at a hospital or similar institution

  • Medical abortion

  • Medical alert bracelet or necklace

  • Medical conference admission, transportation, meals, etc.

  • Medical monitoring and testing devices

  • Medical records charges

  • Medicines and drugs

  • Menstrual care products

  • Menstrual cup

  • Menstrual pain relievers

  • Menstrual sponge

  • Mentally handicapped, special home for

  • Midwife

  • Mineral supplements

  • Motion sickness pills

  • Motion sickness wristbands

N
  • Nasal strips or sprays

  • Naturopathic healers

  • Nicotine gum or patches

  • Nonprescription drugs and medicines

  • Norplant insertion or removal

  • Nursing services provided by a nurse or other attendant

  • Nutritional supplements

  • Nutritionist's professional expenses

O
  • Obstetrical expenses

  • Occlusal guards to prevent teeth grinding

  • Occupational therapy

  • Office visits

  • Omega-3 supplements

  • Online or telephone consultation

  • Operations, non-cosmetic

  • Optometrist/Ophthalmologist

  • Organ transplants (recipient and donor)

  • Orthodontia/Braces/Invialign

  • Orthopedic and surgical supports

  • Orthopedic shoe inserts

  • Orthotics/Orthopedic Shoes

  • Osteopath fees

  • Over-the-counter (OTC) drugs & medicines

  • Over-the-counter (OTC) heath care products

  • Over-the-counter (OTC) Vision products

  • Ovulation monitor

  • Oxygen

P
  • Pain relievers (Examples: Advil, Aspirin, Tylenol)

  • Pantyliners or underwear liners

  • Parental fees (billed for actual services received; for disabled children)

  • Personal protective equipment

  • Personal trainer fees

  • Petroleum jelly

  • Physical exams

  • Physical therapy

  • Pregnancy test kits

  • Prenatal vitamins

  • Prescription drugs

  • Preventive care screenings

  • Probiotics

  • Propecia

  • Prosthesis

  • Psychiatric care

  • Psychoanalysis

  • Psychologist

R
  • Ortho or Radial keratotomy

  • Reading glasses (over-the-counter)

  • Reconstructive surgery (following accident or medical procedure or condition)

  • Removal of benign mole, cyst or tumor

  • Rental cars

  • Rental fee, for equipment

  • Retin-A

  • Rogaine

  • Rehydration solution

  • Rubbing alcohol

S
  • Schools and education, residential

  • Schools and education, special

  • Scooter, electric

  • Screening tests

  • Service animal, to assist individual with mental health disabilities

  • Sexual dysfunction

  • Taxes, shipping and handling fees (for any eligible expense)

  • Sinus medications

  • Sleep-deprivation treatment

  • Smoking-cessation medications

  • Smoking-cessation programs

  • Special equipment

  • Special foods

  • Speech therapy

  • Sperm, storage fees

  • Spermicidal foam

  • St. John's Wort

  • Stem cell, harvesting and/or storage of

  • Sterilization procedures

  • Stop-smoking program

  • Student health fee

  • Sun-protective (SPF) clothing

  • Sunburn creams and ointments, medicated

  • Sunglasses

  • Sunscreen with SPF 15+ (broad spectrum)

  • Sunscreen, cosmetics or similar products with 

  • Supplies to treat medical condition

  • Support braces

  • Surgery

  • Swimming lessons

  • Swimming pool maintenance

T
  • Tampons

  • Telemedicine

  • Telephone equipment for persons with hearing or speech disabilities

  • Therapy

  • Thermometers

  • Throat lozenges

  • Toothache and teething pain relievers

  • Toothpaste, medicated (difference in cost only of medicated toothpaste over the standard toothpaste)

  • Transgender treatments/surgery

  • Transplants

  • Transportation expenses for person to receive medical care

  • Transportation of someone other than the person receiving medical care

  • Transportation to and from a medical conference

  • Treadmill

  • Tuition evidencing separate breakdown for medical expenses

  • Tuition for special-needs program

U
  • Ultrasound, prenatal

  • Umbilical cord blood storage

V
  • Vaccines

  • Varicose veins, treatment of

  • Vasectomy

  • Vasectomy reversal

  • Veterinary fees

  • Viagra

  • Vision correction procedures

  • Vitamins

W
  • Walking aids (Canes, walkers, crutches and related supplies)

  • Wart remover treatments

  • Weight-loss programs and/or drugs prescribed to induce weight loss

  • Wheelchair

  • Wigs

X
  • X-ray fees

Y
  • Yeast infection medications

It looks like the expense you're searching for is not on this list.

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  2. Try other related terms (i.e. ibuprofen: aspirin or pain reliever)
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A
  • Adoption fees

B
  • Babysitting and child care

C
  • Car Seats

  • CBD Oil / Hemp products

  • Child or newborn care instructions

  • Cologne

  • Concierge medical fees (bill for future availability of services, with no services actually received)

  • Controlled substances in violation of federal law

  • Cosmetic procedure

  • CPR classes

D
  • Dental products for general health

  • Deodorant

  • Dependent care expenses

  • Diet foods

  • Drug testing kits for home use

E
  • Ear piercing

  • Electrolysis or hair removal

F
  • Face creams

  • Face lifts

  • Founder's Fee

  • Funeral expenses

G
  • Gloves

H
  • Hair colorants

  • Hand lotion

  • Health Savings Account (HSA) contributions

  • Household help

I
  • Illegal operations and treatments

L
  • Laser hair removal

  • Late fees (for late payment of medical bills)

  • Lipsticks

  • Lodging while attending a medical conference

M
  • Makeup

  • Marijuana or other controlled substances in violation of federal law

  • Masks (examples include gaiters, face shields, and masks with vents and valves)

  • Maternity clothes

  • Meals not at a hospital or similar institution

  • Meals of a companion

  • Meals while attending a medical conference

  • Missed appointment fees

  • Moisturizers

  • Mouthwash

N
  • Nail Polish

  • Nursing services for a baby

  • Hidden field

P
  • Parental fees (billed for future availability of services, with no services actually received; for disabled children)

  • Perfume

  • Permanent

  • Prepayments

  • Prescription drug discount programs

  • Prescription drugs and medicines obtained from other countries

  • Prescription drugs for cosmetic purposes

R
  • Recliner chairs

S
  • Safety glasses

  • Sanitizing wipes (for surfaces - i.e. Clorox wipes and Lysol wipes)

  • Shampoos

  • Shaving cream or lotion

  • Skin moisturizers

  • Soaps

  • Suntan lotion without sunscreen

  • Surrogate or gestational carrier expenses

T
  • Tanning salons

  • Teeth whitening

  • Toiletries

  • Toothbrushes

  • Toothpaste

  • Transportation costs of disabled individual commuting to and from work

  • Hidden field

V
  • Vision discount programs

W
  • Warranties

  • Hidden field

Y
  • YMCA day camp

It looks like the expense you're searching for is not on this list.

Try these steps:

  1. Check the spelling of your expense
  2. Try other related terms (i.e. ibuprofen: aspirin or pain reliever)
  3. Contact us — we are here for this very reason