Use your Health Savings Account to pay for medical expenses ranging from routine doctor visits to surgical procedures.

In order for HSA assets to retain their tax-free status, they must only be withdrawn and used for certain expenses, including:

1. Healthcare coverage when unemployed
2. Certain health insurance after age 65
3. Actual medical expenses, such as doctor visits and dental care, including expenses for the following:
   
   Alcoholism, Artificial Teeth, Bandages, Breast Reconstruction, Braille Books and Magazines, Chiropractor, Contact Lenses, Dental Treatment, Diagnostic Devices, Drug Addiction, Eyeglasses, Vision Correction Surgery, Fertility Enhancement, Guide Dog or Other Animal, Hearing Aids, Labor and Delivery Acupuncture, Oxygen, Prosthesis, Psychologist, Smoking Cessation Programs, Transplants, Weight Loss Programs, Wheelchair, Wig, X-ray.

For a comprehensive list of qualified medical expenses, visit www.irs.gov and check out Publication 502, Medical and Dental Expenses.

The information on this page is provided by Ascensus, Inc. and the IRS, and is not intended as tax advice. Please consult a tax professional.

Reimbursing Yourself:

You can use your HSA funds to reimburse yourself for medical expenses you have paid out-of-pocket.

You can do so as long as the HSA was established on or before you incurred the medical expenses.

You can either write yourself a check to withdraw the funds from your account or you can send a completely-filled out HSA Withdrawal form to Patelco Credit Union, attention: HSA Department, P.O. Box 8020, Pleasanton, CA 94588.

Download the HSA Withdrawal Form

It is important to keep all receipts of medical expenses to show the IRS to prove that you incurred the expenses yourself.