Eligible Expenses

HSA Over-the-counter Eligible Expenses

The following table provides examples of over-the-counter (OTC) drugs and health care items that may be reimbursed by your HSA.

Please note: Potentially eligible expenses require you to retain additional supporting documentation proving medical need for the service or product. Examples include vitamins and herbs used to treat medical conditions. These expenses also include OTC medicines, which require a prescription from a doctor.

Over-the-Counter Expense List

Expense Description HSA Expense Eligibility
Acetaminophen (e.g., Tylenol) Yes
Acne treatments (e.g., Clearasil, Proactiv) Yes
Allergy medicine (e.g., Actifed, Benadryl, Claritin, Zyrtec) Yes
Antacids and acid relievers (e.g., AXID AR, Gas-X, Maalox, Mylanta, Pepcid AC, Prilosec OTC, Tagamet HB, TUMS, Zantac 75) Yes
Anti-itch lotion and cream (for bug bites and poison ivy, e.g., Benadryl Cream, Calamine Lotion, Caldecort, Cortaid, Hydrocortisone) Yes
Antidiarrheal and laxatives (e.g., Ex-Lax, Imodium A.D., Kaopectate, Pepto-Bismol) Yes
Antifungal cream (e.g., Fenstat 3, Gyne-Lotrimin, Lamisil AT, Lotrimin AF, Micatin, Monistat 3, Vagistat-1) Yes
Antihistamine (e.g., Actifed, Allerest, Chlor-Trimeton, Contac, Dimetane, Drixoral, NyQuil, Tavist-1, Triaminic) Yes
Aspirin (e.g., Bayer, Excedrin) Yes
Bandages Yes
Blood pressure monitoring devices Yes
Burn garment Yes
Carpal tunnel wrist supports Yes
Chondroitin sulfate No
Cold medicines and decongestants (e.g., Advil Cold and Sinus, Afrin, Aleve Cold and Sinus, Children’s Advil Cold, Neo-Synephrine-12 Hour, Sudafed, Tavist-D, Tylenol Cold and Flu, Theraflu) Yes
Cold sore remedies (e.g., Abreva, Campho-Phenique, Releev, Zicam) Yes
Condoms and other contraceptive devices Yes
Contact lens solution (e.g., Aosept, Allergan, Bausch & Lomb, Boston, Opti-Free, Renu) Yes
Cough suppressants (e.g., Chloraseptic, Delsym, Mucinex, Robitussin, Triaminic, Vicks 44) Yes
Diabetic supplies, test kits, and strips Yes
Diaper rash ointments and creams (e.g., Balmex, Desitin) Yes
Diarrhea medicine (e.g., Ex-Lax, Imodium A.D., Kaopectate, Pepto-Bismol) Yes
Ear plugs Potentially
Eye drops for allergy and cold relief (e.g., OcuHist, Visine) Yes
Feminine antifungal and anti-itch creams (e.g., Fenstat 3, Gyne-Lotrimin, Vagistat-1) Yes
Fiber supplements (e.g., Benefiber, Metamucil) Potentially
First aid cream, ointment, and spray (e.g., Bactine, Neosporin) Yes
First aid kits and supplies (e.g., ACE bandages, BAND-AIDS, bandage tape, gauze, medical gloves) Yes
Gauze pads Yes
Glucosamine Potentially
Glucose monitoring equipment Yes
Glucose tablets and gel Yes
Hearing aids and hearing aid batteries Yes
Hemorrhoid treatments (e.g., Preparation H, Tronolane) Yes
Herbs and Herbal Supplements (e.g., St. John’s Wort) Potentially
Hot and cold packs Yes
Ibuprofen (e.g., Advil, Motrin) Yes
Incontinence supplies (e.g., Depends, Serenity) Yes
Insect bite creams and ointments (e.g., Benadryl cream, Calamine lotion, Cortaid, cortisone cream) Yes
Insulin (over-the-counter) Yes
Lactose intolerance products (e.g., Lactaid) Yes
Laxatives (e.g., Correctol, Dulcolax, Ex-Lax, MiraLAX, Senokot) Yes
Liniments (e.g., BENGAY, Flexall, Tiger Balm) Yes
Mastectomy-related special bras Yes
Medic Alert bracelet or necklace Yes
Medical monitoring and testing devices Yes
Medicated shampoo (to treat a specific medical condition like psoriasis, e.g., Dermarest shampoo) Potentially
Menstrual pain relievers (e.g., Midol, Pamprin, Premsyn PMS) Yes
Migraine pain relievers (e.g., Advil Migraine Liqui-gels, Excedrin Migraine) Yes
Motion sickness pills (e.g., Dramamine, Marzine) Yes
Nasal sprays Yes
Nasal strips (nose strips) Potentially
Nicotine gum or patches (e.g., Commit, NicoDerm CQ, Nicorette, Nicotrol, Nicodin) Yes
Occlusal guards Yes
Over-the-counter supplies Yes
Pain relievers (e.g., Advil, acetaminophen, aspirin, ibuprofen, Motrin, Tylenol) Yes
Pedialyte and other oral electrolytes Yes
Pediculicide (head lice treatment, e.g., Nix, RID) Yes
Poison ivy protection (e.g., Ivy Block) Yes
Pregnancy test kits Yes
Prenatal vitamins Yes
Reading glasses Yes
Rubbing alcohol and alcohol pads Yes
Sinus medicines (see decongestants) Yes
Sleep aids (e.g., Sominex, Sleepinal, Tylenol P.M., Unisom Sleep Tabs) Yes
Snoring cessation aids and medications (e.g, Breathe Right Spray, Snoreeze) Potentially
Spermicidal foam Yes
Sunburn creams and ointments (e.g., Aloe Vera Gel, Solarcaine) Yes
Sunscreen and sun block with SPF 15 or greater Yes
Sunscreen and sun block with SPF less than 15 Potentially
Supplies to treat medical condition Yes
Thermometers Yes
Throat lozenges and cough drops (e.g., Cepacol, Chloraseptic, Halls, Sucrets) Yes
Toothache and teething pain relievers (e.g., Orajel) Yes
Vitamins (to treat a specific medical condition, e.g., calcium to treat osteoporosis; iron to treat anemia) Potentially
Walker, wheelchair, cane Yes
Wart remover treatments (e.g., Tinamed) Potentially

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