HR Simplified

FAQ: Flexible Spending Accounts (FSA)

Over-the-counter medicines and menstrual care products are now fully FSA & HSA-eligible

In response to COVID-19, a new federal law expands how you can use your flexible spending account (FSA).

You can now use your FSA to purchase over-the-counter (OTC) drugs and medicines, without a prescription, as well as menstrual care products.

Previously, if you wanted to use your FSA to pay for over-the-counter medicines, such as pain relievers, cough medication, or allergy medication, you were required to obtain a prescription from a doctor. Now, you no longer need a prescription, making it much easier for you to save money by using your pre-tax funds to pay for these items. Also, for the first time, menstrual care products have been added to the eligible items list

How can I see which items are now eligible for purchase?

Click here to view a comprehensive list of eligible expenses

Frequently Asked Questions
When did the change take effect and how long will it last? This is a permanent change that is effective immediately and retroactive to January 1, 2020.
Can I get reimbursed for newly eligible items purchased after December 31, 2019 but before the new law was enacted? Yes, if you previously purchased OTC medicines or menstrual care products after December 31, 2019, and kept your receipt, you can request reimbursement for these items.
Can I use my debit card to purchase the newly eligible items? Yes. Retailers are in the process of updating their systems to accept benefit debit cards for the newly approved items. It is estimated that most major retailers will be ready to accept debit cards as soon as April 15 for OTC medicines and May 15 for menstrual care products.

As with any eligible product or service, you always have the option to pay with your personal funds, save your receipt, and submit a reimbursement request.

Still have questions?

Contact our Customer Service Team

Monday – Thursday 7:00 a.m. – 7:00  p.m. (CST)

Fridays 7:00 a.m. to 5:00 p.m. CST

952-737-6020