Eligible MSA Expenses

One of the most common questions we are asked is, "What can I use my MSA dollars on?"  Excellent question!

The Idaho MSA sets its guidelines on what it allows you to spend your MSA dollars on (and what it does not) based on IRS Publication 502.  That can be a long and difficult document to read through, so we've done our best to compile a big list of the most common items and placed them in alphabetical order for easy searching.  You can also view our flyer on Eligible MSA Expenses to get a printable list of these common items to keep for easy reference in the future.

The quick answer is anything that is "medically necessary", is an eligible expense.  Common items, such as:

  • Premiums (Health Insurance, Medicare, LTC)
  • Doctor Bills (Co-Pays, Office Visits, Deductibles, Hospital Costs)
  • Dental Visits
  • Vision Costs
  • Over-the-Counter Items That Are Not Considered A Drug
    • Items that are OK:  Band-Aids, Walkers, Knee Braces, Contacts
    • Items that are not OK:  Advil, Neosporin, Cough Syrup, Vitamins

Please feel free to search through all the items and services listed below, and if you don't find what you're looking for please contact our office and we would be more than happy to clarify whether or not what you're looking for is a qualified expense.


Qualified MSA Expenses

Q.  Items that start with "A"
A.
  • Abortion
  • Accupuncture
  • Alcoholism Treatment
  • Ambulance
  • Annual Physical Exam 
    • See 'Physical Examination'
  • Artificial Limb
  • Artificial Teeth
  • Autoette
    • see 'wheelchair'
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Q.  Items that start with "B"
A.
  • Bandages
  • Birth Control Pills
  • Body Scan
  • Braces
  • Braille Books and Magazines
    • If cost is greater than regular printed edtion
  • Breast Pump & Supplies
  • Breast Reconstruction Surgery
    • Following a mastectomy for cancer
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Q.  Items that start with "C"
A.
  • Capital Expenses for Home Improvements
    • Providing the main purpose is medical care for you, your spouse, or your dependent.
  • Car
    • Special design
    • Cost of operation
    • See 'Transportation'
  • Chiropractor
  • Christian Science Practitioner
  • Contact Lenses & Solution
    • Also see 'Eye Glasses' and 'Eye Surgery'
  • Crutches
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Q.  Items that start with "D"
A.
  • Dental Treatment
    • Teeth Whitening is not included
  • Dentures
  • Dermatologist
  • Diagnostic Services
  • Disabled Dependent Care Expenses
  • Drug Addictions
  • Drugs
    • See 'Medicines'
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Q.  Items that start with "E"
A.
  • Eye Glasses
  • Eye Surgery
    • Lasik
    • Radial Keratotomy
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Q.  Items that start with "F"
A.
  • Fertility Enhancement
    • In Vitro Fertilization
    • Reversals of sterilization surgeries
  • Flu Vaccinations
  • Founder's Fee
    • See 'Lifetime Care - Advance Payments'
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Q.  Items that start with "G"
A.
  • Guide Dog or Other Service Animal
    • Includes Buying, Training, and Maintaining
  • Gynecologist
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Q.  Items that start with "H"
A.
  • Health Institute
  • Health Maintenance Organization (HMO)
    • See 'Insurance Premiums'
  • Hearing Aids
  • Home Care
    • See 'Nursing Services'
  • Home Improvements
    • See 'Capital Expenses'
  • Hospital Services
    • Covers Inpatient Care
    • See 'Lodging'
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Q.  Items that start with "I"
A.
  • ID Bracelets (Medical)
  • Insulin
  • Insurance Premiums
  • Intellectually and Developmentally Disabled, Special Home for
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Q.  Items that start with "J"
A.

 n/a

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Q.  Items that start with "K"
A.

 n/a

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Q.  Items that start with "L"
A.
  • Labratory Fees
  • Laser Eye Surgery
  • Lead-Based Paint Removal
  • Learning Disability
    • See 'Special Education'
  • Legal Fees
  • Lifetime Care
  • Lodging
    • Meals and Lodging at Hospitals While Receiving Medical Care
    • See 'Nursing Home'
  • Long-Term Care
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Q.  Items that start with "M"
A.
  • Meals
  • Medical ID Bracelets
  • Medical Conferences
  • Medical Information Plan
  • Medicines
  • Imported Medicines and Drugs
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Q.  Items that start with "N"
A.
  • Neurologist
  • Nursing Home
  • Nursing Services
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Q.  Items that start with "O"
A.
  • Obstetrician
  • Operations
  • Optometrist
    • See 'Eyeglasses'
  • Oral Surgery
  • Organ Donors
    • See 'Transplants'
  • Orthopedic Shoes
  • Osteopath
  • Oxygen
    • Includes Related Equipment
  • Over-the-Counter Medicines
    • Must Have a Prescription
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Q.  Items that start with "P"
A.
  • Pediatrician
  • Physician
  • Physical Examination
  • Pregnancy Test Kit
  • Prosthesis
    • See 'Artificial Limb'
  • Prescription Medicines
  • Psychiatric Care
  • Psychoanalysis
  • Psychologist
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Q.  Items that start with "Q"
A.

 n/a

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Q.  Items that start with "R"
A.

 n/a

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Q.  Items that start with "S"
A.
  • Special Education
  • Sterilization
  • Stop-Smoking Programs
  • Surgery
    • See 'Operations'
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Q.  Items that start with "T"
A.
  • Telephone
  • Telecommunications Device for the Deaf (TDD)
  • Teletypewriter (TTY)
  • Television
    • Equipment That Displays Subtitles (Hearing Impaired)
  • Therapy
  • Transplants
  • Transportation
    • Expenses Essential to Receiving Medical Care
  • Tuition
    • See 'Special Education'
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Q.  Items that start with "U"
A.

 n/a

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Q.  Items that start with "V"
A.
  • Vaccinations
  • Vasectomy
  • Vision Correction Surgery
    • See 'Eye Surgery'
  • Vitamins
    • Must Have a Prescription
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Q.  Items that start with "W"
A.
  • Weight-Loss Program
  • Wheelchair
  • Wig
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Q.  Items that start with "X"
A.
  •  X-Ray
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Q.  Items that start with "Y"
A.

 n/a

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Q.  Items that start with "Z"
A.

 n/a

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