Toe separators
The eligibility of toe separators for HSA, FSA, and HRA depends on whether they are used to treat a specific diagnosed medical condition.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Not Eligible |
| FSA | Not Eligible |
| HRA | Not Eligible |
Quick Reference
Medical expenses must be primarily for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body. If toe separators are used for general comfort, athletic recovery, or cosmetic purposes without a medical diagnosis, they are not considered qualified medical expenses. However, if they are recommended by a medical professional to treat a specific foot condition, they may be eligible.
When It Qualifies
- •Must be used to treat a diagnosed medical condition (e.g., bunions, hammertoes, overlapping toes, plantar fasciitis).
- •A Letter of Medical Necessity (LMN) from a doctor may be required to substantiate the medical need.
When It Doesn't
- •Use for general comfort, wellness, or athletic recovery without a specific medical diagnosis.
- •Use for purely cosmetic purposes.
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Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
This information is for educational purposes only and is not tax or legal advice. Always consult with a qualified professional for personalized guidance. Plan administrators have the final say on eligibility.