FSA eligible expenses that require a prescription are referred to as FSA Rx.

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FSA Rx- indicates FSA eligible expenses that require an extra step for reimbursement from your FSA account. Many people use these products to manage their health. It may be worth the extra trip to the doctor to get these FSA eligible expenses reimbursed from your FSA funds.

Follow these easy steps to maximize savings:

  1.  get a prescription from your health care provider
  2. purchase the prescribed item & keep the receipt
  3. submit a claim (with prescription and receipt) for reimbursement to your FSA plan administrator

FSA Rx items can NOT be purchased with an FSA debit card, except from retailers meeting 90% criteria (meaning 90% of the products they sell are FSA eligible – traditional or hospital pharmacies may meet this criteria).

This flag primarily covers over the counter (OTC) medicines and drugs, and medicated topical treatments.

FSA Rx expenses include: 

Acne medication

Allergy & sinus: including oral medication and both medicated and non-medicated nasal sprays, drops & inhalers.

Asthma: Medicated and non-medicated nasal sprays, drops & inhalers. Includes medications and delivery devices like inhalers and nebulizers. (Vaporizers and humidifiers are considered dual-purpose and not covered).

Topical antibiotics, antiseptic wound cleansers: Neosporin, antibiotic ointment, rubbing alcohol, hydrogen peroxide.


Anti-fungal foot treatment

Anti-itch & insect bite treatment

Baby care: rash treatment (including petroleum jelly marketed for baby rash), teething pain.

Contraceptives: morning-after pill, spermicides.

Cough, cold & flu: oral medication and both medicated and non-medicated nasal sprays, drops & inhalers. Medicated respiratory treatments and vapor products. Includes preventative products “proven to lessen the severity” or “reduce the duration” of colds or flu; may include natural or homeopathic, some herbals or some forms of zinc.

Digestive aids: lactase enzyme supplements, fiber laxatives (when used to treat short-term medical conditions; not for general promotion of regularity), non-fiber laxatives.

Feminine care: antifungal/anti-itch, yeast infection remedies.

Foot ailment treatments: corn & callus remedies, wart removers. General comfort items are not eligible.

Hemorrhoid treatment/prevention

Homeopathic remedies: Homeopathic and natural products that treat an illness or condition meet the same criteria as their non-homeopathic counterparts.

Incontinence treatment: anti-fungals.

Medicated eye, ear and oral treatments: includes cold sore remedies, medicated ear drops, eye drops (such as Visine, or artificial tears).

Motion sickness/nausea treatment

Oral care: oral pain relief, saliva substitute dry mouth treatment (general rinses, mouthwash, sprays, etc. are not covered).

Pain relievers: includes oral and topical (medicated) pain relievers, including oral pain treatment, denture pain relief, medicated first aid burn remedies.

Sleep aids/sedatives

Smoking cessation

Stomach & digestive remedies: acid controllers, anti-gas.

Topical skin treatment: for treatment of existing skin conditions such as eczema, psoriasis or rosacea (not for prevention).


Source: SIGIS Eligible Product List Criteria