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M.E.R.P.s
I.R.S. section #105
Medical Expense Reimbursement Plans offer a good solution to the rising cost of health care with their tax deductions offered to small business organizations. The following is a list of what is deductible under a plan, and what is not.
Our organization has tremendous solutions available to cut your expenses with runaway health care costs.
Call The401Kman toll free at 877-775-0812 to find out about disability coverages and many other insurance, benefits programs, retirement and financial planning services available. Or click on our contact tab to the right to submit your question or request a call at a time of your convenience through our appointment calendar.
Our organization has tremendous solutions available to cut your expenses with runaway health care costs.
Call The401Kman toll free at 877-775-0812 to find out about disability coverages and many other insurance, benefits programs, retirement and financial planning services available. Or click on our contact tab to the right to submit your question or request a call at a time of your convenience through our appointment calendar.
Eligible medical expenses that can be reimbursed include:
Insurance:
- Health insurance premiums (Paid Out of pocket or withheld from spouses check)
- Major medical premiums
- Dental insurance premiums
- Long-term care premiums
- Contact Lens insurance
- Cancer insurance
- Sports insurance
- Supplemental Premiums
- Medicare, Part A (Only voluntary entroll premiums)
- Supplemental medicare insurance (include Medicare Part B)
- Hearing aid insurance
- School insurance
Other Medical Expenses:
- Abortion (Legal)
- Acupuncture
- Alcoholism Treatment (including AA)
- Artificial Limbs & Teeth
- Braces
- Breast Reconstruction Surgery (following mastectomy for cancer)
- Birth Control
- Braille Books and Magazines
- Chiropractor
- Christian Science Practitioner
- Clinics
- Contact Lenses & Supplies
- Co-payments
- Crutches
- Deductibles
- Dental treatments, implants, braces (no teeth whitening)
- Drug addition treatment
- Exams
- Eyeglasses
- Eye surgery (includes laser eye surgery & radial keratotomy)
- Fertility enhancement
- Hand Controls for Car
- Handicapped Accessibility Improvements
- Health Care supplies (diabetic syringes, casts, bandages, etc)
- Hearing Aids
- Hospital Care
- Labs
- Lead based paint removal
- Lodging ($50 per person/$100 per night)
- Long-term care (qualified amounts only)
- Medical conferences (for chronic illnesses for you or family members)
- Medicines & drugs (doctor prescribed)
- Nursing Care (In-home)
- Nursing Homes
- Orthopedic Shoes
- Oxygen Tanks
- Physicians
- Psychiatric care
- Psychoanalysis
- Seeing Eye Dog & maintenance for the blind
- Special Education
- Sterilization
- Stop Smoking Programs (Doctor prescribed)
- Surgery
- Tests
- Therapy (mental & physical)
- Transplants
- Transportation (to medical care & special schools)
- Treatment Programs
- Trips to medical care
- TTY Equipment
- Tuition for special schools (handicapped, learning disabilities, visually or hearing impaired, etc)
- Vasectomy
- Weight Loss Programs (doctor prescribed)
- Wheel Chairs & maintenance
- Wigs (Hair loss due to condition or disease)
- X-Rays
The following expenses do not quality for Section 105 Plan (MERP):
- Cosmetic Surgery (facelifts, hair transplants, teeth whitening, liposuction)
- Health club dues
- Illegal operations & treatments
- Maternity Clothing
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