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What is Covered Under My Medical FSA/HSA?

Eligible medical expenses are those incurred primarily to alleviate or prevent a physical or mental defect or illness. They do not include expenses that are merely beneficial to general health, such as vitamins or a vacation.


eligible expenses

  • Co-Payments
  • Deductibles
  • Physical Therapy
  • Eyeglasses
  • Contact Lenses/Supplies
  • Dental Expenses
  • Laser Eye Surgery
  • OTC Medicines such as pain relievers and allergy medicine (effective 1/1/2020 as part of the CARES Act) ***


Ineligible expenses

  • Cosmetic Surgery
  • Membership to a health club*
  • Teeth Whitening
  • Insurance Premiums
  • OTC Vitamins**
  • Personal hygiene products

For additional information on eligible expenses, please click on the link below:

FSA & HSA Eligible Expenses

*Expenses marked with an asterisk (*) are "potentially eligible" expenses that require a note of medical necessity from your healthcare provider to qualify for reimbursement.

**OTC vitamins require a prescription be submitted to Sentinel Benefits along with a request for reimbursement.

***The CARES Act was enacted on March 27, 2020. An updated list of eligible OTC items is expected to be made available to participating merchants on April 15, 2020. While we anticipate that many retailers will start making these updates to their point of sale systems as soon as the new list is available, these updates will take time to implement. If an eligible item is declined when using the Benny card, please use an alternate payment method and submit a claim for reimbursement.