Depending on which type of FSA you have, you can use it to pay for medical expenses.

How to use your FSA:  

Depending on which type of FSA you have, you can use it to pay for expenses such as: 

  • Health FSA: You can pay for a variety of healthcare expenses incurred by you, your spouse, or your dependents. Some examples include doctor visits, chiropractic, prescription drugs, deductibles, co-pays, surgery’s, medical equipment, dental and vision that are not covered by your health plan. A complete list can be found in the IRS Publication 502
  • Limited Scope FSA: Dental and vision expenses are the only qualifying expenses for a limited scope FSA. Check with your HR department to see if any further inclusions apply at the end of the year. 
  • Dependent Care FSA: Some examples of eligible expenses are childcare, adult daycare, summer camps, before and after school care, transportation provided by a caregiver, and much more. A complete list can be found at in IRS Publication 503. 

You can access your FSA funds through:

  • Debit Card  
  • Paying online through the FSA Portal  
  • Requesting a reimbursement through the portal or app if you paid out of pocket  


  • Remember that some administrators require a receipt to substantiate a claim 
  • You will need a Reimbursement Form with the following information 
  1. Cost of service 
  2. Date of service 
  3. Description of service 
  4. Personal information 
  5. Name of Provider 

Once you file a reimbursement, depending on your election, you will either receive a direct deposit into your bank account you provide, or a check will be processed and sent to you.   

It’s your money, so don’t spend more than you should for medical services. Ask questions and do a little research on cost and quality just like you would for any other purchase you make. Some great options are:  

  • Free Annual Preventive Care visit – Annual preventive care visits are free, improve health and reduce future costs through illness prevention  
  • Using virtual care options– Up to 70% of all office visits could be eliminated using telemedicine or an online visit. The cost of a virtual care visit is around $50 so you could save about $100 compared to going to a clinic.   
  • Shopping for Prescriptions– Not all pharmacies charge the same amount for medications. Using your carrier’s prescription price tools or an external source like GoodRx you can save big bucks on your medications  
  • Ask for cost estimates – For non-emergency surgeries, check with several facilities in your insurance network for prices. Price differences for surgeries like a knee replacement or back surgery can be many thousands of dollars from one hospital to another.