What's Covered - Health Care FSA
Health care FSAs cover most health care expenses that are not already covered by your medical, dental and vision plans, including deductibles, copayments, coinsurance, and expenses above "reasonable and customary" insurance limits.
You can even use your FSA to pay health care expenses for dependents who are not covered by Metro benefits, such as a spouse who has coverage where he/she works.
Eligible expenses must be considered deductible for federal income tax purposes, and they can’t already have been reimbursed through any other group health care plan, including Medicare.
Following are examples of health care expenses that are generally eligible for reimbursement through an FSA. (See the Benefits section of Metro’s website for a current list of eligible FSA expenses. Be sure to check the list before incurring an expense.)
- acupuncture treatment
- hearing aids
- alcohol or drug dependency treatment
- hospice care
- amounts above reasonable and customary limits
- immunizations
- artificial insemination
- lab fees
- chiropractic care
- medical supplies
- coinsurance
- physical therapy
- contact lenses
- prescription drugs
- copayments
- prescription eyeglasses
- dental or orthodontia
- routine physical exams
- deductibles
- surgery
- eye exams
- vision care
- health care equipment
- vaccinations
- certain over-the-counter medications (see "Over the Counter Medications" below)
- Over-the-Counter Medications
- Effective September 5, 2003, over-the-counter medicines and drugs (those available without a prescription) may now be reimbursed under your healthcare FSA. Eligible items are cold and allergy medicines, aspirin and other pain relievers, antacids, and other medicines and drugs that treat a medical condition. Dietary supplements such as vitamins are not eligible for reimbursement. As with other covered expenses, you must provide receipts or other proof of purchase from the provider when you file a claim for reimbursement for over-the-counter medications.