Allowable Medical Expenses

IRS RULES FOR MEDICAL REIMBURSEMENTS

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In order to provide you with tax free HCA (Health Care Account) reimbursements the IRS dictates that we can only disburse the funds for certain expenses.  The following is a list of what we CAN and WILL reimburse for to keep your funds tax free:

Abortion

Acupuncture

Alcoholism

            Inpatient treatment at therapeutic center

            Transportation to and from AA meetings

Ambulance

Annual Physical Exams

Artificial Limbs

Artificial Teeth

Bandages

Birth Control Pills

Body Scan

Braille Books and Magazines

Breast Pump & Supplies

Breast Reconstruction Surgery

            Only following a mastectomy for cancer

Chiropractor

Christian Science Practitioner

Contact Lenses          

Crutches

Dental Treatment

            Except teeth whitening

Diagnostic Devices

            Only for diagnosing and treating illness and disease such as diabetes

Disabled Dependent Care Expenses

Doctor/Dentist Co-pays

Drug Addiction

            Inpatient treatment at a therapeutic center

Eye Exam

Eyeglasses for medical reasons/Safety Glasses with Prescription

Eye Surgery

            To treat defective vision such as laser eye or radial Keratotomy

Fertility Enhancement

            In Vitro fertilization

            Temporary storage of eggs and sperm

            Operation to reverse prior surgery that prevents having children

Guide Dog or other Service Animal

Health Institute

Health Maintenance Organization (HMO)

Hearing Aids

            Including batteries you buy to operate

Home Care

Home Improvements

            Must not increase value of home

            Must be medically necessary such as wheel chair ramp

Hospital Services

Insurance Premiums

Laboratory Fees

Lead-Based Paint Removal

            Documentation showing elevated lead levels in children is required

Medicines

Nursing Services

            Elderly dependents in home or nursing home

Operations

            Except unnecessary cosmetic surgery

Organ Donation

Osteopath

Oxygen           

            To relieve breathing problems

Physical Exams

Prosthesis

Psychiatric Care

Psychoanalysis

Psychologist

Special Education

            For doctors recommendations of a child to receive special training or tutoring due to a     learning disability, impairment, birth defect, or physical disability

Sterilization

Stop –Smoking Programs

            Except drugs that do not require a prescription such as nicotine gum or patches

Surgeries

Telephones    

            For hearing impaired only

Therapy

Transplants

Vasectomy

Weight Loss Programs

            For a specific disease diagnosed: obesity, hypertension, diabetes, heart disease, etc.

            Not for supplements

Wheelchair

            Sickness or disability

Wig

            For patients who have lost their hair from a disease

X-Ray

            Please keep in mind that we require a receipt/bill and/or a doctor’s note for all of the above services.  The bill/receipt must have a date of service (not a date of payment), patients’ name, amount owed by the patient and must be a bill of service.  The name of the patient MUST be the member, spouse or child (under the age of 26) of the member, household pets are NOT considered dependents and requests will automatically be denied for any veterinarian bills received.  We are at liberty to request further documentation or to call your doctor to confirm all of the above information. 

            *Please note that all bills of service must be accompanied by an Explanation of Benefits from your Health Insurance Provider as well as a receipt of payment in order to be reimbursed for your bill of service.*

WE DO NOT ACCEPT:

Receipts with dates of services (not payment dates) more than 18 months old from the present date

Receipts with no patient name – except for bandages

Receipts for OTC (over the counter) medication starting 1/1/2011, unless accompanied by a doctor’s prescription specifying the medication required for purchase (specific name)

For more information you may contact the IRS directly at 1-800-829-4477 and ask for their publication 502 or visit http://www.irs.gov/publications/p502/index.html