A GAME-CHANGER FOR you & your CAREGIVERS

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Ongoing support, regular medication reviews, personalized consultations, proactive monitoring and adjustments as needed. Think of it as having a dedicated geriatric pharmacist on call. 

YES! Grandparents Pharmacist is covered for medical consultations and are considered qualified medical expenses that can be paid for with a Health Savings Account (HSA).[1, 2]

According to the IRS, qualified medical expenses are costs incurred for the diagnosis, cure, mitigation, treatment, or prevention of disease.[3, 4, 5] This definition is broad and covers a wide range of services.

Here’s a more detailed breakdown of what this typically includes:

 * Doctor and Specialist Visits: Fees for visits to doctors, surgeons, dentists, chiropractors, psychiatrists, and psychologists are eligible expenses.[3, 4, 6] This applies to routine check-ups, such as annual physicals, as well as appointments to address specific health concerns.[2]

 * Online and Telephone Consultations: Fees for medical consultations conducted online or over the phone are also eligible for HSA reimbursement, provided they are for the diagnosis or treatment of a medical condition.[7]

 * Pharmacist Consultations: While the cost of filling a prescription is a qualified expense, specialized consultations with a pharmacist, such as for Medication Therapy Management (MTM), are also generally considered a medical expense. If your health plan does not cover the full cost of these consultations, you can typically use your HSA funds to pay for them.[8, 9]

 * Other Practitioners: Services from other medical practitioners, such as acupuncturists and physical therapists, are also typically covered.[3, 6]

How to Pay:

You can usually pay for these consultations directly using your HSA debit card at the time of service. Alternatively, you can pay out-of-pocket and then reimburse yourself from your HSA account. It is important to keep itemized receipts and records of these expenses for tax purposes.[3, 10, 11]

For a comprehensive list of what the IRS considers a qualified medical expense, you can refer to IRS Publication 502, "Medical and Dental Expenses".[12, 13, 14, 15]

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Yes, medical consultations are also considered a qualified medical expense for a Flexible Spending Account (FSA).[1, 2, 3]

An FSA is an employer-sponsored savings account that allows you to set aside pre-tax money from your paycheck to cover a wide range of out-of-pocket health and dependent care costs.[2, 4, 5, 6] Because your contributions are made before taxes, you can save on average 30% on your eligible expenses.[6, 7]

How FSAs Cover Medical Consultations

Like an HSA, an FSA can be used for qualified medical expenses as defined by the IRS, which includes payments for the diagnosis, cure, treatment, or prevention of disease.[2, 8]

This coverage includes:

 * Doctor and Specialist Fees Payments for office visits to doctors, surgeons, chiropractors, psychiatrists, and other medical practitioners are eligible.[1, 2, 9]

 * Copayments and Deductibles You can use your FSA to pay for copays and deductibles for your medical, dental, and vision plans.[5, 9, 10, 11]

 * Dental and Vision Care Routine exams, cleanings, braces, eyeglasses, and contact lenses are all eligible expenses.[2, 9, 10]

 * Prescription and OTC Medications The CARES Act expanded the list of eligible expenses to include over-the-counter (OTC) medications without a prescription, as well as menstrual care products.[2, 12, 13]

Key Differences Between an FSA and an HSA

While both accounts help you save on healthcare costs, they have important differences.[4]

| Feature | Flexible Spending Account (FSA) | Health Savings Account (HSA) |

|---|---|---|

| Ownership | Your employer owns the account.[5, 14] | You own the account and can take it with you if you change jobs.[12, 14] |

| Eligibility | Offered by an employer. You generally don't need to be enrolled in a specific health plan to participate.[2, 5] | You must be enrolled in a high-deductible health plan (HDHP).[12, 15] |

| Contribution Source | You and your employer can contribute.[5] | You, your employer, or anyone else can contribute.[14] |

| "Use It or Lose It" | Yes. Funds generally expire at the end of the plan year. Some employers may offer a grace period (up to 2.5 months) or allow a small carryover (up to $640 for 2024).[5, 10, 11] | No. Funds roll over year after year.[12, 14, 15] |

| Investment Potential | No. The account does not earn interest and cannot be invested.[12] | Yes. Funds can be invested to grow tax-free over time.[14, 15, 16] |

| Fund Availability | The full annual amount you elect to contribute is available on the first day of the plan year.[7, 10, 16] | You can only spend the funds that are currently in the account.[16] |

Types of FSAs

It's also important to know that employers can offer different kinds of FSAs [17, 18]:

 * Health Care FSA (HCFSA): The most common type, used for a wide range of medical, dental, and vision expenses.[10, 17]

 * Limited Purpose FSA (LPFSA): This account is often paired with an HSA and can only be used for eligible dental and vision expenses.[2, 7, 18, 19, 20] This allows you to save your HSA funds for other medical costs or for long-term growth.

 * Dependent Care FSA (DCFSA): This is used to pay for care for children under 13 or for adult dependents who are incapable of self-care. Eligible expenses include daycare, preschool, and summer day camp.[6, 18, 19, 20]

To use your FSA, you can typically use a provided debit card at the point of sale or pay out-of-pocket and submit an itemized receipt to your FSA administrator for reimbursement.[21, 22]

Grandparents Pharmacist is a private-pay, subscription based service. 

We do not bill insurance directly. 

Payments are processed securely online via GoDaddy's payment system using major credit cards.

Yes, cancel anytime. Access continues until the end of the billing cycle. 

No refunds are provided. 

We do not offer refunds for our subscription.

Please reach us at info@grandparentspharmacist.com with your questions.