Make the most out of your pre-tax accounts by knowing how to spend your available funds. Here, you’ll find pre-tax eligible expenses for medical, dependent care, and commuter accounts as determined by the IRS.
The following list contains eligible expenses for HSAs, HRAs, and Medical/Limited/Dependent Care FSAs. Please wait a few moments for this section of the page to load.
IMPORTANT NOTE: An expense being listed on this page does NOT guarantee that expense is eligible under your plan. Certain plan variations may change what your pre-tax dollars can be used to purchase, as well as when you can use them. Plan details can be found in your Plan Highlights (available in the Documents section of BRIWEB) or from your employer.
Eligible medical expenses are governed by Section 213(d) of the Internal Revenue Code. Below you’ll find a quick reference of potentially eligible expenses. Use the searchable eligible expense list above for a more in-depth guide.
Common eligible medical expenses include:
Download the resources below for a quick reference.
The Beniversal Card can be used at qualified merchants who accept Debit Mastercard. Merchants include:
If we cannot auto-verify that an expense is eligible, we will send you a Beniversal Card Follow-Up Request and ask you to provide an Itemized Receipt or Explanation of Benefits (EOB). These documents must include the provider name, type of service performed, date(s) of service, and cost of service.
For HSA transactions, we will not request additional documentation, but you should retain all receipts in case you are audited by the IRS.
For more information, check out our video & guide on Substantiation – What is Substantiation and Why is it Required?
IRS Publication 503 governs the eligibility of Dependent Care FSA expenses.
Common eligible dependent care expenses include:
IRS Section 132(f) governs the eligibility of mass transit and parking Commuter Benefit Plan expenses.
Qualified mass transit must (a) occur in a commuter highway vehicle and be used in connection with travel between a residence and place of employment. Examples include:
Qualified parking may include either:
Parking on or near property for residential purposes is NOT considered an eligible expense.
Your Beniversal® or eTrac® Prepaid Mastercard® can be used to pay at the point-of-service, as the payment method when you receive a bill/invoice for service in the current plan year, or linked to a reloadable mass transit card. Claims can be submitted for ridesharing and parking expenses ONLY. Contact Participant Services if your card declines for another eligible mass transit expense and you have adequate funds in your account.
Enable your Beniversal Card for contactless payments through Google Pay®, Apple Pay®, and Samsung Pay® digital wallets – learn how. Note that acceptance may vary by location and merchant.