Flex spending cards are essentially the same as debit cards but used only to cover eligible medical expenses. In some cases, FSA holders who wish to access their funds are required to pay an out-of-pocket expense, and then submit receipts to their benefits administrator. Employees get reimbursed once the paperwork is submitted for eligible expenses.

Everything needed to setup Health Reimbursement Accounts (HRAs), Qualified Small Employer Health Reimbursement Accounts (QSEHRAs), and Individual Coverage Health Reimbursement Accounts (ICHRAs).

• Plan Documents
• Summary Plan Description (SPD)
• Board Resolution & Adoption Agreement
• Notice to Employees
• Reimbursement Form
• Enrollment Form

Sample of HRA Covered Medical Expenses

Laboratory fees are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Laboratory fees are not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

Lactation Aids

Lactation aids are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Lactation aids are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

Lactation Consultant

Lactation consultant services are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement (HRA). Lactation consultant services are not eligible for reimbursement with a dependent care flexible spending account (DCFSA) and a limited care flexible spending account (LCFSA).

Lamaze Classes

Lamaze classes are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Lamaze classes are not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

Lancet

Lancet reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Lancet reimbursement is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

Lanolin

Lanolin is an eligible over-the-counter (OTC) item that does not require a prescription for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Lanolin reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

Lap Band Surgery

Lap band surgery is an eligible expense with a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement (HRA). Lap band surgery reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

Laser Eye Surgery

Laser eye surgery is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), health reimbursement accounts (HRA), and limited care flexible spending accounts (LCFSA). They are not eligible for reimbursement with dependent care flexible spending accounts.

Lasik

LASIK is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), health reimbursement accounts (HRA) and limited care flexible spending accounts (LCFSA). They are not eligible for reimbursement with dependent care flexible spending accounts (DCFSA).

Learning Disability Treatment

Learning disability treatments with a Letter of Medical Necessity (LMN) are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA). Learning disability treatments are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

Legal Fees in connection with fertility treatments

Legal fees in connection with fertility treatments in connection with a medical service for the account holder or qualified dependent are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Legal fees in connection with fertility treatments reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

Life Alert Emergency Medical Alert System

Life Alert Emergency Medical Alert System reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Life Alert Emergency Medical Alert System reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

Light Therapy

Light therapy is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Light therapy reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

Lip Balm (SPF 15+)

Lip balm with an SPF of 15 or greater is an eligible over-the-counter (OTC) product that does not require a prescription for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Lip balm reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

Liquid Adhesive for small cuts

Liquid adhesive for small cuts is an eligible over-the-counter (OTC) product that does not require a prescription for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Liquid adhesive for small cuts reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

Listening Therapy

Listening therapy is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Listening therapy is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

Lodging of a Companion

Lodging of a companion required in relation to medical treatment is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Lodging of a companion is not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

Lumbar Support

Lumbar support is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Lumbar support reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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