Qualified Retirement Plans, Resources for Banefits and Longevity Planning

CAFETERIA PLANS

Health Care Reimbursement Accounts cover:

  • Co-payments
  • Deductibles
  • Coinsurance payments
  • Premium payments
  • Unreimbursed dental expenses
  • Unreimbursed vision expenses
  • Unreimbursed hearing expenses
  • Unreimbursed medical

  • Co-payments
  • Deductibles
  • Coinsurance payments
  • Premium payments

  • Unreimbursed dental expenses
  • Unreimbursed vision expenses
  • Unreimbursed hearing expenses
  • Unreimbursed medical

Examples of Eligible Health Care Expenses:

  • Abortion, legal
  • Acupuncture
  • Alcoholism & drug addiction treatment
  • Ambulance hire
  • Artificial limbs & teeth
  • Birth control pills
  • Braces
  • Braille books & magazines (to the extent prices exceed prices for regular books & magazines)
  • Car (special medical equipment within)
  • Chiropractic services
  • Christian Science practitioners
  • Cosmetic surgery to correct birth defects, to repair disfigurement due to an injury or disease, but not done only to improve appearance
  • Crutches
  • Diathermy
  • Drugs & medical supplies
  • Dentist’s fees for all necessary dental treatment including orthodontia
  • Doctor’s fees
  • Eye exams, eyeglasses & contact lenses for medical reasons
  • Fees to doctors, hospitals, etc., including: Anesthesiologist, Chiropractor, Clinic, Dentist, Dermatologist, Gynecologist, Midwife, Neurologist, Obstetrician, Ophthalmologist, Optometrist, Osteopath (licensed), Podiatrist, Practical Nurse, Psychiatrist, Psychoanalyst (medical care only), Sex Therapist, and Surgeon
  • Guide dog and its upkeep
  • Health spa in home (to extent value of home not increased)
  • Hearing aids and batteries
  • HMO Co-payments
  • Hospital Services
  • Insulin
  • Iron Lung
  • Laboratory fees
  • Lead-based paint removal to prevent lead poisoning
  • Legal fees to allow treatment for mental illness
  • Lip-reading lessons
  • Lodging for medical care
  • Medical information plan
  • Mentally retarded, special home
  • Nurses’ expenses and board
  • Nursing care
  • Nursing home (if for medical reasons)
  • Operations and related treatments
  • Over-the-Counter Drugs
  • Oxygen equipment
  • Prescribed drugs and medicine
  • Rental of medical equipment
  • Sanitarium
  • Special schooling for physically or mentally handicapped family member
  • Sterilization
  • Telephone (for the deaf)
  • Television equipment with displays the audio part of TV programs for the deaf
  • Therapy
  • Transplants
  • Transportation expenses for essential medical care
  • Vitamins for prescription
  • Well baby care
  • Wheelchair
  • Wigs (to cover baldness due to medical reasons)
  • X-ray

  • Abortion, legal
  • Acupuncture
  • Alcoholism & drug addiction treatment
  • Ambulance hire
  • Artificial limbs & teeth
  • Birth control pills
  • Braces
  • Braille books & magazines (to the extent prices exceed prices for regular books & magazines)
  • Car (special medical equipment within)
  • Chiropractic services
  • Christian Science practitioners
  • Cosmetic surgery to correct birth defects, to repair disfigurement due to an injury or disease, but not done only to improve appearance
  • Crutches
  • Diathermy
  • Drugs & medical supplies
  • Dentist’s fees for all necessary dental treatment including orthodontia
  • Doctor’s fees
  • Eye exams, eyeglasses & contact lenses for medical reasons

  • Fees to doctors, hospitals, etc., including: Anesthesiologist, Chiropractor, Clinic, Dentist, Dermatologist, Gynecologist, Midwife, Neurologist, Obstetrician, Ophthalmologist, Optometrist, Osteopath (licensed), Podiatrist, Practical Nurse, Psychiatrist, Psychoanalyst (medical care only), Sex Therapist, and Surgeon
  • Guide dog and its upkeep
  • Health spa in home (to extent value of home not increased)
  • Hearing aids and batteries
  • HMO Co-payments
  • Hospital Services
  • Insulin
  • Iron Lung
  • Laboratory fees
  • Lead-based paint removal to prevent lead poisoning
  • Legal fees to allow treatment for mental illness
  • Lip-reading lessons
  • Lodging for medical care
  • Medical information plan

  • Mentally retarded, special home
  • Nurses’ expenses and board
  • Nursing care
  • Nursing home (if for medical reasons)
  • Operations and related treatments
  • Over-the-Counter Drugs
  • Oxygen equipment
  • Prescribed drugs and medicine
  • Rental of medical equipment
  • Sanitarium
  • Special schooling for physically or mentally handicapped family member
  • Sterilization
  • Telephone (for the deaf)
  • Television equipment with displays the audio part of TV programs for the deaf
  • Therapy
  • Transplants
  • Transportation expenses for essential medical care
  • Vitamins for prescription
  • Well baby care
  • Wheelchair
  • Wigs (to cover baldness due to medical reasons)
  • X-ray

Examples of Non-Eligible Health Care Expenses:

  • Cosmetic surgery
  • Marriage Counseling
  • Athletic/health club expenses to keep physically fit
  • Bottled water
  • Maternity Clothes
  • Costs of divorce
  • Funeral costs
  • Weight reduction programs for general well-being
  • Stop Smoking programs for general well-being
  • Any illegal treatment
  • Dancing of ballet, even when recommended by doctor
  • Cost of remedial reading classes for non-handicapped child
  • Antiseptic diaper service
  • Amounts reimbursed by health benefits plans
  • Charges for a nurse to care for a healthy infant

  • Cosmetic surgery
  • Marriage Counseling
  • Athletic/health club expenses to keep physically fit
  • Bottled water
  • Maternity Clothes
  • Costs of divorce
  • Funeral costs

  • Weight reduction programs for general well-being
  • Stop Smoking programs for general well-being
  • Any illegal treatment
  • Dancing of ballet, even when recommended by doctor

  • Cost of remedial reading classes for non-handicapped child
  • Antiseptic diaper service
  • Amounts reimbursed by health benefits plans
  • Charges for a nurse to care for a healthy infant