Pro-Tier now allows employees to use their funds towards approved medical expenses. What qualifies for this? That’s controlled by IRS guidelines, but we’ve provided some highlights below.
As a general rule, expenses must be:
Primarily for medical care (diagnosis, treatment, prevention, or mitigation of a disease or condition).
Not for general health or wellness unless prescribed (e.g., vitamins for a specific deficiency).
Not reimbursed by insurance or another source.
Examples of Eligible Expenses
Medical & Dental Care – Doctor visits, hospital stays, surgeries, dental cleanings, orthodontics, and medically necessary procedures.
Prescription Medications – Only those requiring a prescription (even over-the-counter drugs need a prescription to qualify).
Over-the-Counter (OTC) Items – Pain relievers, allergy meds, and cold medicines (as of the CARES Act, no prescription needed).
Vision & Hearing – Eye exams, glasses, contacts, LASIK, hearing aids, and batteries.
Mental Health Services – Therapy, psychiatric care, and substance abuse treatment.
Medical Equipment & Supplies – Crutches, wheelchairs, bandages, CPAP machines, and breast pumps.
Fertility & Pregnancy Care – Fertility treatments, IVF, prenatal vitamins (if prescribed), childbirth classes.
Examples of Non-Eligible Expenses
General Wellness & Personal Care – Gym memberships, fitness trackers, non-medical massages, cosmetic procedures.
Cosmetic Surgery – Unless medically necessary (e.g., reconstructive surgery after an accident).
Non-Prescription Supplements – Vitamins, herbal remedies, unless prescribed for a medical condition.
Non-Medical Procedures – Teeth whitening, hair transplants, elective laser eye surgery for appearance.