Second, Use Your HSA to Pay for Care When you (or your dependents if you have family coverage) have qualified medical expenses that are not covered by the HSA Plan, you can pay for them tax-free with your HSA. There are three ways you can spend from your HSA: • Fidelity HSA Debit Card: Pay for qualified medical expenses anytime with a swipe of your card. • Fidelity Bill Pay: Receive and pay bills for qualified medical expenses with Fidelity’s free online service. • Reimbursement: Get money back for medical expenses you paid out of pocket. Eligible Out-of-Pocket Expenses You can use your HSA to pay for much more than just doctor visits and prescriptions. Qualified expenses include: For more information and a complete list of qualified medical expenses, see IRS Publication 502. At age 65, you can spend your HSA dollars on anything, not just medical expenses, and you won’t incur the 20% penalty. The withdrawal will just count toward your gross annual income. 19 of 39 Medical Dental Vision Other Office visits Fillings Exams Counseling Diagnostic testing Cleanings Glasses Cessation programs Surgical procedures Braces Contact lenses COVID-19 tests Over-the-counter medications Artificial teeth Corrective surgery Face masks Prescriptions Hand sanitizer and sanitizing wipes Before You Go How You Pay for Care Special Programs and Services Learn More Simplify Your Health Care Payments with Fidelity Track and Pay You can manage your HSA Plan and Fidelity HSA expenses, payments, claims, and receipts in one place with Fidelity Track and Pay: * Track HSA balance and health expenses * View health care claims * Pay bills with your Fidelity HSA * Upload receipts and manage them from a central location Go to Fidelity.com/trackandpay.
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