Check whether an expense qualifies for my FSA or HSA

Help me figure out whether an expense is likely to qualify for reimbursement from my health account, and roughly what I'd save. Account type: [Health FSA / Limited-purpose FSA / Dependent care FSA / HSA / HRA] Expense: [WHAT IT IS - e.g. "prescription glasses", "physical therapy", "sunscreen", "fertility treatment", "summer day camp"] Who it's for: [me / spouse / dependent] Cost: [AMOUNT] Do I have a prescription or letter of medical necessity? [yes / no / not sure] Plan year and balance left: [e.g. "plan year ends Dec 31, $640 left, $640 carryover allowed"] My approximate tax bracket and state: [if known] Give me: 1. Likely eligibility: Eligible / Eligible with a prescription or letter of medical necessity / Usually not eligible / Unclear, with the general rule behind it (US IRS rules on qualified medical expenses). 2. The documents my administrator will likely ask for (itemized receipt, explanation of benefits, LMN) and what each must show. 3. A rough savings estimate: cost x (my federal + state + payroll tax rate), with the math shown. Label it an estimate. 4. Timing risks: use-it-or-lose-it deadlines, grace periods, carryover limits, and claim deadlines, each marked [CONFIRM WITH MY PLAN]. 5. If not eligible, any related item that might be. This is general information, not tax advice. Plans can be stricter than IRS rules, so tell me to confirm with my plan administrator or a tax professional before I buy, especially for anything expensive.