Is Sony CRE-E10 Self-Fitting In-Ear OTC Hearing Aid HSA or FSA Eligible?

Hearing aids are explicitly listed as qualified medical equipment under IRS Publication 502. The FDA's 2022 OTC hearing aid rule makes these available without a prescription.

The full list of qualified medical expenses is defined in IRS Publication 502, updated annually. The CARES Act of 2020 expanded eligibility to include all OTC medicines and menstrual care products.

1. Purchase Sony CRE-E10 Self-Fitting In-Ear OTC Hearing Aid directly with your HSA or FSA debit card — no pre-approval needed.
2. Alternatively, pay out of pocket and submit the receipt for reimbursement through your plan's portal or app.
3. Keep your receipt. If your card is declined (auto-substantiation failure), you can manually submit the receipt.
4. Save receipts for 7 years in case of an IRS audit.