Posted by James Financial Services Inc

Claiming Medical Deductions in Unusual Circumstances

Claiming Medical Deductions in Unusual Circumstances

Medical expenses can be deducted from the federal tax return as long as they exceed 10% of gross annual income. Most people are familiar with the usual medical bills you can afford throughout the year, but what if your situation is unique? A good tax professional can help you claim the deductions to which you are entitled. If you find yourself in any of the unusual circumstances below, consult a professional to claim your deductions.



Serious and life-threatening illnesses, such as cancer, can be expensive to treat. You can write off expenses on any chemotherapy or radiation therapy, as well as prescription drugs to lessen the side effects of treatment or to help fight cancer itself. Wigs are also deductible for cancer patients.

Caring for an elderly parent

If you are caring for an elderly relative who lives with you or in an institution where you provide the funds, you can claim them as a dependent and deduct the medical expenses you paid on their behalf during the year.

Gluten-free diet

If you need to change to a gluten-free diet for health purposes, the Internal Revenue Service will allow you to deduct the difference between a normal diet and a gluten-free diet from your medical bills.

Guide dogs

If you need a guide dog, the cost of purchasing, training, and maintaining a guide dog is tax-deductible.

Home improvements

If you purchased medically necessary home improvement items from a physician, you could deduct these expenses from your taxes. A freestanding tub, wheelchair ramp, shower change, or stair chair can be covered if you add them for the ease of movement for a disabled person who lives there. You are also eligible to deduct upgrades that improve the quality of life of the occupants of the house. If you buy a new siding because the old one had mold causing medical problems, it will be deductible under the medical bill category. In addition, swimming pools can sometimes be deducted if they are installed with the aim of treating illnesses or injuries.

Homeopathic or naturalist doctors

Many people don't realize that they can deduct the cost of preventive or homeopathic care, such as chiropractors, physiotherapists, dental care, and even acupuncture, for certain medical reasons.


In some cases, if you have a sleeping condition or have trouble sleeping, your doctor will prescribe a specific bed or mattress. It is tax-deductible as long as you have a prescription from the doctor.

Medical trips

Since many specialists work in specific fields, you and your spouse travel are also deductible. Travel must be inevitable to receive treatment or diagnosis of an illness. You can claim the cost of meals, accommodation, and travel, such as gasoline or oil, or airline tickets.

Starting a family

Starting a family can be more expensive for some than for others. Birth control is deductible as a prescription drug. You can also infer pregnancy tests and fertility treatments, as well as IVF. After you have had a baby, you can deduct breast pumps as a medical expense.


If you had any necessary operation the previous year, you could claim the direct costs you paid on your insurance. Usually, you will have high costs out of pocket if you have a deductible or coinsurance or if you don't have any insurance. As long as the surgery is needed at the discretion of the doctor, you can claim the expenses as a deduction on an income tax. Lasik eye surgery, although considered optional, can be claimed as a deduction. Cosmetic surgery is only valid if it is medically necessary.

You can claim medical deductions for you, your spouse, and your dependents. There are many medical deductions that you may not be aware of. However, making sure you have the documents to support the deductions and the medical validity of the deduction is essential in the event of an audit. Your records should contain provider information, diagnoses, appointment information, and the type of treatment you are receiving. Suppose you are claiming an item that is not intended for the treatment, such as a diet, guide dog, or home improvement. In that case, you should have recommendations or vouchers from your doctor, along with receipts and cost statements for the item itself.

There is also a credit for health insurance premiums, called the health care tax credit. If you choose to take this credit, you will not be eligible to take this credit again in the same months of the following months of the fiscal year. The premium payment should be similar to the average expected payment for the total costs of the health insurance agreement between you and the insurer. Before choosing this credit, consult a tax professional to determine the most profitable time to choose this credit.

Most people have medical bills all year round and keeping track is as important as knowing what to claim when the time comes. A tax professional can help you do both.



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