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How to claim medical on taxes

how to claim medical on taxes


Best Answer: Medical expenses can in most cases be deducted from your income tax as long as the total amount of the expense is greater than 7.5% of adjusted gross income. So, for example, if your adjusted gross income is $100,000 the first $7,500 of medical expense is not deductible.

But, it is not as difficult as it once was to exceed 7.5%. Health insurance premiums are much higher now than they were years ago. Most of the time, people don't know what is deductible.

If you paid certain medical and dental expenses this year for yourself, your spouse, or your dependents (and were not reimbursed), you may be eligible to claim the medical and dental expenses deduction.

If you itemize deductions on Schedule A, you may be able to deduct the unreimbursed medical care expenses you paid this year. Medical care expenses involve the diagnosis, cure, relief, treatment, or prevention of disease, and treatments affecting any part or function of the body. The medical care expenses must be primarily to alleviate or prevent a physical or mental defect or illness.

Medical care expenses include the premiums you paid for health insurance (the part that is deducted from your paycheck, if you get your insurance through work) and amounts paid out of your pocket for treatment not covered by your health insurance. Medical care expenses also include amounts you pay for transportation to get medical care. In addition, limited amounts you paid for a qualified long-term care insurance contract may qualify as medical care expenses. Also all of your medical co pays are deductible.

IRS Publication 502 (Medical and Dental Expenses) contains a list of items that you can include in figuring your medical expense deduction. This list includes the following items (among many others):

Ambulance service

Contact lenses and related supplies


Dental treatment expenses

Eyeglasses and eye


Insurance premiums you pay for policies that cover medical care

Laboratory fees

Oxygen equipment

Prescription drugs

You may also include the expenses you incur for smoking cessation programs and drugs prescribed to alleviate nicotine withdrawal. However, you can't include in your medical expenses amounts you pay for drugs that don't require a prescription (such as nicotine gum or patches).

You can include in your medical expenses amounts you pay to lose weight if losing weight is a treatment for a specific disease diagnosed by a physician (such as obesity, hypertension, or heart disease). If you've been diagnosed as obese, therefore, your deductible medical expenses can include fees you pay to join and attend a weight reduction group. You can’t deduct the weight loss expense if you are only trying to improve your personal appearance. Spa, gym, and health club memberships are not deductible.

You can include in medical expenses amounts you paid for transportation that was primarily for and essential to, medical care. For example, you can include your out-of-pocket expenses for your car, such as gas and oil, when you use your car for medical reasons. However, you cannot include depreciation, insurance, general repair, or maintenance expenses. You can also include the cost of parking fees and tolls.

Generally, you can include in medical expenses amounts you pay for special equipment installed in your home if the main purpose of the equipment is medical care for you, your spouse, or a dependent. But what if you make a permanent improvement to your home for medical reasons? If the improvement does not increase the value of your property, the entire cost of the improvement may be included as a medical expense.

You can download publication 502 from the IRS web site to get the complete list. Make sure you keep good records, because the IRS may want proof of your expense.

Category: Taxes

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