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Health Flexible Spending Account

Return to Flexible Spending Accounts

EOBHealth Accounts cover medical, dental and vision expenses that are only partially covered or not covered at all by your insurance, including insurance deductibles, insurance co-payments and over-the-counter medications.

Health FSA Annual Election Amount

If you make an election under the Health FSA, the amount that you elect will be immediately credited to the account in your name. Starting on the first day of the Plan Year, you will be entitled to be reimbursed for claims up to the entire elected amount at any time during the Plan Year, even if the total salary reduction contributions that you have made to your Health FSA are less than the total amount of claims that you have submitted.

Please Note: The Health Flexible Spending Account is the only account where participants have access to their full annual election immediately. All other accounts accrue the election amount on a per pay deduction basis.

2023 Health FSA 

Plan Year (Benefit Period): January 1, 2023 through December 31, 2023
Coverage Period: Eligibility Start Date through the Eligibility End Date

The Eligibility Start Date is January 1, 2023 for all elections made during the Annual Enrollment Period or before the first day of the Plan Year. For any enrollment elections or changes made during the plan year, the Eligibility Start Date is the first of the month following your election.

The Eligibility End Date is December 31, 2023 (the last day of the plan year). Coverage ends as of your termination date if your employment ends.

Please Note: Only eligible Health Care expenses/costs that are incurred during the participant’s Coverage Period are eligible for reimbursement.

Carry Forward

Carry Forward Amount (if eligible): Up to $610 (remaining amounts in excess of $610 will be forfeited)

The Health FSA plan allows active participants to carry forward up to $610 of unspent funds to the following year, providing the following eligibility criteria are met:

  • Must be an active participant on December 31, 2023
  • Must make a contribution on the last Pay Date of the 2023 plan year; through payroll deduction, COBRA premium, or OTC (Over-the-Counter) payment.

Important Dates

Last Day to incur expenses: December 31, 2023 or Eligibility End Date (if contributions stopped)
Last Day to submit claims: March 31, 2024 (for expenses incurred during the Coverage Period.


Required Claim Documentation 

  • Insurance company statement or Explanation of Benefits (EOB)
  • Itemized bill from the provider showing date of service, services rendered, provider of service, amount aid and, if applicable, amount covered by insurance
  • Prescription claims MUST include the Rx pharmacy receipt with Rx number. Credit card receipts are not acceptable
Eligible Health FSA Expenses


  • Acupuncture
  • Alcoholism treatment
  • Allergy medication, nasal sprays
  • Ambulance
  • Artificial teeth/dentures
  • Bandages
  • Blood pressure monitors
  • Braces
  • Braille-books and magazines
  • Breast pumps and lactation supplies
  • Cancer screening
  • Chiropractors
  • Co-insurance amount you pay
  • Co-pay amount you pay
  • Condoms
  • Contact lenses and eyeglasses
  • Contact lens solutions
  • Cold/Hot Packs
  • Cost of operations and related treatments
  • Crutches
  • Deductible medical coverage (amounts you pay)
  • Dental fees
  • Diabetic supplies
  • Drug addiction treatment
  • Eye exams, eye glasses, eye surgery
  • Fertility treatments (in vitro fertilization, surgery)
  • Guide dog/service animal (including purchase, maintenance)
  • Intellectually/developmentally disabled person’s school and education (i.e., payments made for a mentally impaired or physically disabled person to attend a special school including tuition, meals and lodging)
  • Hearing devices and batteries
  • Hospital services
  • Incontinence products
  • Insulin
  • Laboratory fees


  • Lead-base paint removal (for children with lead poisoning)
  • Medical alert bracelets
  • Medical information plan
  • Mentally handicapped persons cost of special home care
  • Nurses fees (including nurses’ board and social security tax paid by you)
  • Obstetrical expenses
  • Operations
  • Oxygen
  • Prosthesis
  • Pregnancy tests
  • Psychiatrists’ and psychologists’ fees
  • Radial keratotomy and Lasik eye surgery
  • Rolfing therapy
  • Routine physical & other non diagnostic services or treatments
  • Smoking cessation programs
  • Speech Therapy
  • Special education for the blind
  • Special plumbing for handicapped
  • Sterilization (i.e., tubal ligation,vasectomy)
  • Surgical fees
  • Telephone, special for hearing impaired
  • Television audio display equipment for hearing impaired
  • Therapeutic care for drug and alcohol addiction received as medical treatment
  • Thermometers
  • Transportation expenses for person to receive medical care
  • Vaccines
  • Walkers
  • Wheelchair
  • X-rays





  • Compression Hose (20-30 mmHG)
  • Dietary supplements
  • Exercise programs or equipment
  • Fiber Supplements
  • Humidifier
  • Hypnosis
  • Infertility treatments
  • Lead-base paint removal
  • Massage therapy, rolfing therapy
  • Mineral Supplements

Eligible Expenses Only with a Prescription or Letter of Medical Necessity



  • Occupational therapy
  • Orthopedic shoe inserts
  • Scooter, electric
  • Service animal (guide dogs are eligible without LOMN)
  • Tuition/meals/lodging for special needs schooling
  • Varicose vein, treatment of
  • Vitamins
  • Water-Pik


Never Eligible
  • COBRA premiums
  • Concierge service fees
  • Cosmetic products and cosmetic surgery (unless to remediate damage from an illness or injury)
  • Disposable diapers
  • Diet program foods
  • Electric Toothbrush
  • Electrolysis
  • Fitness programs*
  • Hair transplants*


  • Hand sanitizer
  • Household help
  • Maternity clothes
  • Teeth whitening*

* Unless prescribed by a doctor to treat an existing illness or injury.


Expense eligibility is subject to change. 

If you are unsure if an expense is eligible for reimbursement, please call the P&A Group at (800) 688-2611 or chat with a customer service representative through our online chat available at For a more extensive eligible expense list, please visit Go to