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 as a QME. Please visit the IRS Website 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

  • Air conditioner

  • Air purifier

  • Alcoholism treatment

  • Allergy treatment products other than medicine

  • Alternative healers

  • Allergy medicine

  • Ambulance

  • Analgesics

  • Antacids

  • Anti-itch creams

  • Antibiotic ointments

  • Antihistamines

  • Arthritis gloves

  • Artificial limbs

  • Artificial teeth

  • Asprin

  • Asthma delivery devices and medications

  • Automobile modifications

B
  • Bactine

  • Bandages, for torn or injured skin

  • Batteries

  • Behavioral modification programs

  • Birth-control pills

  • Birthing classes

  • Blood storage

  • Blood-pressure monitoring devices

  • Blood-sugar test kits and test strips

  • Body scans

  • Books, health-related

  • Braille books and magazine

  • Breast pumps

  • Breast reconstruction surgery following mastectomy

  • 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

  • Circumcision

  • Classes, health-related

  • Club dues and fees

  • Co-insurance amounts

  • Co-payments

  • COBRA premiums

  • Cold medicine

  • Cold sore medicine

  • Condoms

  • Contact lenses, materials, and equipment

  • Contraceptives

  • Cough suppressants

  • Counseling

  • CPAP (continuous positive airway pressure) devices

  • Crowns, dental

  • Crutches

D
  • Dancing lessons

  • Decongestants

  • Deductibles

  • Dental sealants

  • Dental services and procedures

  • 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 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 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 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

  • Omega-3 supplements

  • Online or telephone consultation

  • Operations, non-cosmetic

  • Optometrist

  • Organ donors

  • Orthodontia

  • Orthopedic shoe inserts

  • Orthopedic shoes

  • Osteopath fees

  • Over-the-counter (OTC) drugs

  • Ovulation monitor

  • Oxygen

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

  • Pantyliners or underwear liners

  • 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
  • Radial keratotomy

  • Reading glasses

  • 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

  • Shipping and handling fees

  • Sinus medications

  • Sleep-deprivation treatment

  • Smoking-cessation medications

  • Smoking-cessation programs

  • 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

  • Sunscreen, cosmetics or similar products with 

  • Supplies to treat medical condition

  • Support braces

  • Surgery

  • Swimming lessons

  • Swimming pool maintenance

T
  • Tampons

  • Taxes on medical services and products

  • Telemedicine

  • Telephone equipment for persons with hearing or speech disabilities

  • Therapy

  • Thermometers

  • Throat lozenges

  • Toothache and teething pain relievers

  • 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
  • Walkers

  • 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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  • Hidden field

B
  • Babysitting and child care

C
  • Car Seats

  • Christian Science practitioners

  • Cologne

  • Controlled substances in violation of federal law

  • Cosmetic procedure

  • CPR classes

D
  • 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

  • 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
  • Perfume

  • Permanent

  • Prepayments

  • Prescription drug discount programs

  • Prescription drugs and medicines obtained from other countries

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
  • Veneers

  • 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