Does my employer's specific plan affect my FSA eligibility?

Yes. While the IRS sets general guidelines for FSA-eligible items, individual employers have the right to further restrict what their specific plan covers. We recommend checking with your employer’s HR department or your plan administrator to confirm:

1. If they allow for all IRS-eligible health and wellness categories.
2. If there are specific merchant restrictions on where you can spend your funds.
3. If they require a Letter of Medical Necessity (LOMN) for specific skincare or wellness products even if they are generally listed as "eligible."