Nasal Spray: FSA Eligibility

Nasal sprays are eligible with a prescription for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Nasal sprays are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

What are nasal sprays?

Nasal Sprays refer to corticosteroid sprays that help the nasal passage remain unblocked by mucus and secretions (WebMD). Nasal sprays require a medical professional prescription in order to be considered eligible for reimbursement with a consumer-directed healthcare account.

Nasal sprays can be prescribed if there is a medical condition or disease for which the nasal spray is necessary to treat, alleviate or prevent. Common medical conditions for which a nasal spray is helpful include severe allergies, sleep apnea, and nasal polyps.

Nasal sprays apply corticosteroids to the inner nostril. It should be used every day and may require time in order to show any effect. Nasal sprays that are meant to help with allergies and sleep apnea work by helping reduce the amount of blockage from mucus and bodily fluids in the nasal passage. This allows individuals to sleep more easily. For individuals with severe allergies, the nasal spray should be used before allergy season begins (Everyday Health).

A medical professional must determine that a nasal spray is necessary for the treatment, prevention or alleviation of a medical condition or disease in order to prescribe the nasal spray. Otherwise, the nasal spray isn't eligible for reimbursement with a consumer-directed healthcare account. Individuals should tell a medical professional about the symptoms of their medical conditions and explain how the severity of symptoms such as a runny nose or blocked nasal passage prevents them sleeping or enjoying a reasonable quality of life.

Nasal spray side effects include dry nose, sneezing, infection, irritation, and more. If bleeding occurs, contact a medical professional immediately.

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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. Legal Information / RegulationsPrescription Required. Information Letter (IL) 2009-0209; Notice 2010-59.

Specifically Not Covered

Not eligible without a prescription.