Spend It and Claim It Web Guide

for Health Care and Dependent Care Plan Participants

Who and What Are Eligible?

Each year, you can use the funds you set aside in your health care and or dependent care account to pay for hundreds of eligible expenses for yourself and your eligible dependents. But before you pay, make sure you know the rules regarding who's covered - and what's covered. The IRS regulations are extensive, but the basic rules are clear.

Make sure to log into your account at www.wageworks.com to review the specific eligibility lists for your employer's plan.

Those eligible for health care
You, your spouse, and any children or other individuals you can claim as dependents on your tax return.

Those eligible for dependent care
A qualifying child under the age of 13 or an elderly or adult dependent.

Eligible health care items and services
Generally, services and products that are medically necessary to treat a specific condition are considered eligible health care expenses. Cosmetic or non-medical expenses are not eligible. It's important to note that a prescription is required for the reimbursement or purchase of over-the-counter (OTC) drugs like aspirin and allergy and stomach medications. If you are currently enrolled in a Health Savings Account (HSA) and also participate in a HSA-compatible Flexible Spending Account (FSA), your FSA can only be used for vision and dental expenses not covered by your High Deductible Health Plan (HDHP). Some HSA-compatible FSA plans allow for more expansive coverage once the HDHP deductible has been met. Please check with your employer for your specific plan's rules and details.

Eligible Dependent Care Services
These typically include care provided for your qualifying child (under age 13) or other qualifying dependent, while you work or which enables you to work. Your care provider must meet state and local laws and provide his/her Social Security or Tax ID number.

Common Health Care Expenses

Common Dependent Care Expenses