Over-the-Counter Eligible Items List

Items Typically Eligible
  • Bandages
  • Birth Control
  • Blood Pressure monitors and kits
  • Cholesterol Test kits
  • Condoms
  • Contact Lens solutions and cleaning kits
  • Crutches, Canes, Walkers, etc.
  • Diabetic monitors and test kits
  • Eye Patches
  • Fertility monitors and test kits
  • First aid kits
  • Hearing aid batteries
  • Incontinence supplies
  • Insulin testing kits
  • Medical monitoring and testing devices
  • Occlusal Guards
  • Orthotics
  • Pregnancy Tests
  • Reading Glasses
  • Wheelchairs
Items Typically Ineligible
  • Acne medications/treatments
  • Allergy and sinus medications/products
  • Antacids
  • Antibiotic ointments/creams
  • Aspirin and other pain relievers
  • Asthma medications/treatments
  • Canker and cold sore treatments
  • Chest rubs
  • Cold and flu medicines
  • Corn removal products
  • Cough drops and sore throat lozenges
  • Cough syrups
  • Diaper rash treatments
  • Ear drops
  • Eye drops
  • Laxatives
  • Lice treatments
  • Motion sickness/anti-nausea medicine
  • Oral (teething) pain treatment
  • Plan B
  • Sleep aid medication
  • Stomach upset medicine/digestive aids
  • Vitamins/Supplements

Please note that an expense is only considered eligible for FSA reimbursement if it is deemed medically necessary to treat a specific medical condition, disease or diagnosis. A Letter of Medical Determination may be requested at any time for additional clarification and may require additional processing time. This list is meant to be used as general guidance for eligible Over-the-Counter FSA expenses and not meant to be all-encompassing.

Tips to obtain a Doctor’s prescription for an Eligible OTC Drug



It is difficult to schedule a doctor’s appointment for a runny nose or sore throat just so you can obtain a prescription from your doctor to purchase an FSA Eligible over-the-counter item that will provide you with relief from that runny nose or sore throat. What was once a simple transaction at the approved Pharmacy is no longer so simple.

You can still use your General Purpose Health FSA for OTC drugs; however, you’ll need a prescription from your doctor before you can receive reimbursement from your account, because of the 2010 Health Reform Law.

Doctors and Nurse Practitioners are familiar with the law, which has been in effect since January 1, 2011. We’ve simplified what you need to know when getting a prescription for OTC medicines.

  • The prescription can be for the specific drug or the drug category
    • A general OTC category, such as ibuprofen, is sufficient.
    • If the prescription is for a specific brand or indicates “dispense as written,” only the indicated brand name, dosage and count will be accepted.
  • All prescriptions are good for one year and multiple refills, unless otherwise indicated or unless prohibited by state law.
  • Just as with other medications, the OTC script must be written on a prescription pad and comply with state laws.
  • And, if you present your prescription for an OTC drug at a pharmacy counter, they may dispense it as a prescription—in that case, you’ll be able to use your FSA Debit Card to pay for the prescribed OTC drugs.


And when filing a claim, don’t forget…
When filing a claim for a prescribed OTC item, you’ll need to submit an itemized receipt that includes the date, amount, provider name, OTC item and a copy of the prescription.