Calamine Lotion: FSA Eligibility

Calamine lotion is an eligible over-the-counter (OTC) medicine with a prescription with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Calamine lotion is not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

What is calamine lotion?

Calamine lotion is a popular over-the-counter (OTC) anti-pruritic (anti-itching agent) that is designed to treat conditions such as sunburn, rashes, poison ivy, poison oak, chickenpox, insect bites and stings, as well as other skin conditions that result in itching and painful discomfort. This lotion's main ingredient is calamine, which consists of a mixture of zinc oxide and other zinc carbonates, and has been in use since the 1930s in the U.S. as one of the most common products found in home medicine cabinets (

How does calamine lotion treat skin conditions?

As a topical treatment, calamine lotion provides cooling sensation on the skin as it evaporates, which can help to provide relief to common skin conditions that cause excessive itching. The zinc oxide in the calamine acts as a base (alkali) on the skin, which can counter effect of skin conditions and works as a mild antiseptic to prevent further infections that may arise from continual scratching of the affected area (WebMD).

In some cases, calamine lotion can be used as an astringent to clean out wounds that arise from skin maladies. For instance, acne abscesses or blisters that arise from exposure or other factors can begin to leak pus, blood and other liquid, and calamine lotion can be used to clear out and dry these sores to promote the healing process.

Why does calamine lotion require a prescription for reimbursement?

As a result of the passage of the Patient Protection and Affordable Care Act (PPACA), as of January 1, 2011, OTC items containing an active medical ingredient require a prescription for reimbursement with an FSA, HSA or HRA. To reimburse the cost of OTC medicines and drugs under FSAs, HSAs and other consumer spending accounts, account holders must submit a prescription for each product.

However, not every OTC product falls under this distinction and thousands of products continue to remain eligible without a prescription including bandages, first aid supplies, most sunscreens, diagnostic products, products for infant care and so much more. For more information on a specific product, be sure to consult our Eligibility List.

Calamine Lotion: Best Sellers


Eligibility Table

Flexible Spending Account (FSA) Limited Care FSA Dependent Care FSA Health Savings Account (HSA) Health Reimbursement Account (HRA)


Eligible with Rx

Eligible with LMN

Not Eligible

Additional Information's Prescription Process can help. Click Here to learn more.

Specifically Not Covered

Not eligible without a prescription.

Legal Information / Regulations

Prescription Required. Information Letter (IL) 2009-0209; Notice 2010-59.