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Eligible Over-the-Counter Expenses

There are certain eligible over-the-counter expenses your health care FSA may help pay. The list below is not all-inclusive. It can change based on Internal Revenue Service rules.

Effective January 1, 2011 over-the-counter medicines will not be FSA-eligible without a doctor's prescription as a result of Health Care Reform.

If you have questions about an over-the-counter FSA claim, ask your employer for our toll-free customer service number. We are here Monday through Friday, 8 a.m. to 6 p.m. in your local time zone.

 

Over-the-Counter Eligible Expenses without a Prescription
Bandages
Eye Care (contact lens solution, patches)
Family planning (condoms, pregnancy tests, ovulation prediction kits, etc.) 
Home diagnostic tests or kits (blood pressure, cholesterol, diabetes, colorectal cancer, HIV, urine test, thermometers, etc.)
Incontinence products (Depends, Serenity pads, etc.) 
Joint-support bandages and hosiery (knee supports, elbow supports, etc.)
Vaporizers and humidifiers

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Over-the-Counter Medicines Eligible when Prescribed by a Licensed Health Care Professional
Acid Controllers
Allergy & Sinus
Antibiotic Products
Anti-Diarrheals
Anti-Gas
Anti-Itch & Insect Bite
Antiparasitic Treatments
Baby Rash Ointments/Creams
Cold Sore Remedies
Cough, Cold & Flu
Digestive Aids
Feminine Anti-Fungal/Anti-Itch
Hemorrhoidal Preps
Laxatives
Motion Sickness
Pain Relief
Respiratory Treatments
Sleep Aids & Sedatives
Smoking Cessation Products
Stomach Remedies

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Over-the-Counters Not Reimbursable (merely beneficial to good health) Exceptions - Eligible for Reimbursement when Prescribed at the direction of a doctor. A doctor's statement of medical necessity is Required.*
Cosmetics (makeup, lipstick, cotton swabs, cotton balls, baby oil, etc.)
Denture care (e.g., cleansers)
Hair care (color, shampoo, conditioner, brushes, hair-loss products e.g.,Rogaine)
Homeopathic medicines Homeopathic medicines prescribed by a doctor.*
Nail care and personal grooming items (scissors, nail files, etc.)
Nutritional and dietary supplements (bars, milkshakes, power drinks, etc.) Supplements prescribed by a doctor.*
Personal hygiene (deodorant, soap, body powder, shaving cream, razors, feminine care, sanitary products)
Routine dental care (toothpaste, toothbrush, electric toothbrush, floss, mouthwash including antibacterial mouthwash and fluoride rinse, breath strips, teeth-whitening)
Skin care (sun block - under 30SPF, skin and body moisturizing lotion, lip balm, etc.)
Sleep aids (oral medications, snoring strips, stimulants, etc.) Sleep aids prescribed by a doctor.*
Vitamins Vitamins prescribed by a doctor.*
Weight-reduction aids (Slimfast, appetite suppressants, water-retention products, etc.) Weight-reduction products prescribed by a doctor.*

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