I have an FSA and contributed $400 to it. I made this decision in October, thinking that I would need some dental work in the coming here. Two weeks after submitting my form, I chipped the tooth and had it fixed out of pocket. I chipped again this week and had it fixed, but the dentist was nice enough to do it for free because it was so soon after the first time. Now I think I'm going to have too much money left over. Barring another injury, what are some good ways to spend my FSA dollars? I wish toothpaste and mouthwash counted.


Co-Pays. I know, with good medical, that's just $10-$20. Acupuncture, Chiropractic Care (if not paid by your plan) Eye Exam, often not covered so well. Eye Glasses. Often far higher than the plan pays.

Over the counter drugs (update - starting 2011 these can only be reimbursed if they are prescribed, probably more trouble than it's worth), cold medicine, band-aids, ace bandages, heating pad. Birth control (condoms, foam, sponges, if you are worthy)

Any of those work for you?

Note, regulations permit the FSA administrator to allow up to $500 to rollover to the next year, check if your plan permits this.

  • You can't spend FSA dollars on unprescribed medications any more, unfortunately. – jprete Jun 24 '11 at 19:54
  • When answered in 2010, that was not the case. You are now correct, and I edited my answer to reflect 2011 law. – JTP - Apologise to Monica Jun 24 '11 at 20:36
  • 2
    I'm going to upvote you just for taking a minute to edit a year-old post. – jprete Jun 24 '11 at 22:04
  • Also: Any medical costs that you need to pay before your deductable has been met, if your health insurance has a deductable. – keshlam Oct 14 '14 at 12:35

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