When using your tax-free health accounts (Medical FSA, HRA or HSA), it is important to understand what expenses are eligible and how different merchants will process your transactions. The following resources are intended to be used as a quick reference of potentially eligible expenses and does not guarantee that an expense will be eligible. Eligible expenses are governed by Section 213(d) of the Internal Revenue Code and may be amended from time to time.
What are eligible medical expenses?
Common eligible medical expenses include:
- Co-payments, co-insurance and deductible expenses
- Dental care (e.g. exams, fillings, crowns)
- Vision care, eyeglasses, contact lenses
- Chiropractic care
- Prescription drugs and certain over-the-counter medical items
Looking for over-the counter items? Use the search below to quickly see what is eligible.
What are eligible merchants?
The Beniversal Card can be used at qualified merchants who accept Debit Mastercard®. For a Medical FSA, HRA and HSA these merchants include:
- Doctors, hospitals, medical labs
- Dentists, orthodontists
- Medical supply stores
- Vision centers
- IIAS merchants
- 90% merchants
Check out our Merchant Partners for quick, convenient access to eligible expenses. Use your Beniversal® Card at the time of purchase and eligible items will automatically be identified during the transaction. If you have ineligible items, you will be prompted to use another form of payment for those items.
What is an IIAS merchant?
An IIAS merchant has an Inventory Information Approval System (IIAS) that can automatically identify eligible medical expenses. Click here for a list of IIAS merchants.
What is a 90% merchant?
A 90% merchant has registered with a national organization, certifying that 90% or more of its revenue is from the sale of eligible medical items. Click here for a list of 90% merchants.