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Are Custom Orthotics and Insoles Eligible for HSA, HRA, and LPFSA?

If you pay for orthotics and insoles yourself, you are entitled to reimbursement with flexible spending accounts (FSA), and health reimbursement accounts (HRA).

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By Babafemi Adebajo
Joel Taylor
Edited by Joel Taylor

Published November 30, 2021.

There are several health benefit plans. Each plan has its own advantages and covers specific medical treatments. Insoles, custom orthotics, orthopedic shoe inserts, and several other assistive and corrective devices are covered by your health benefit plan if deemed medically necessary and used based on a doctor’s prescription.

Insoles and custom orthotics are designed to help correct acute or chronic medical issues that can cause pain during normal activity. Both are manufactured by podiatrists using foot impressions and are usually procured on patient demand at a cost.

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HSA and FSA Reimbursement Policy for Orthotics and Insoles

When you pay for orthotics and insoles out-of-pocket, you are entitled to be reimbursed. Both insoles and orthotics are eligible for reimbursement with flexible spending accounts (FSA), and health reimbursement accounts (HRA).

An HSA is used with a high-deductible health insurance policy allowing users to save money for qualified medical expenses. Likewise, an FSA is offered by an employer to an employee to allow such employees to save a portion of their regular earnings for qualified medical expenses.

If you have an active FSA or HRA account, regardless of the quality, brand, or material, any insole or orthotics purchased with your money qualify you for reimbursement. You can request reimbursement as long as you can provide the receipt for the purchase on request.

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LPFSA Reimbursement Policy for Orthotics and Insoles

Compared to the FSA or HRA, custom orthotics and insoles are not covered by the limited purpose flexible spending accounts (LPFSA). The LPFSA is more restricted when compared to a standard health flexible spending account (FSA).

Primarily, reimbursement is offered for the payment of dental and vision expenses. However, sometimes the plan design allows the plan holder to get reimbursement if they meet certain levels of deductibles for medical expenses.