Nicotine Patches: FSA Eligibility

Nicotine Patches: requires a prescription to be eligible with a Flexible Spending Account (FSA)

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

What are nicotine patches?

Nicotine patches are a smoking cessation product. The nicotine patch is a transdermal patch that releases nicotine into the body through the skin. Smoking cessation plans often include nicotine replacement therapy, and nicotine patches are one method of employing a nicotine replacement therapy. The purpose of a nicotine replacement therapy plan is to ease an individual away from a smoking habit by mitigating the effects of nicotine withdrawal, and lowering the adverse effects of nicotine dependency on the individual's overall ability to proceed with a smoking cessation plan. Nicotine withdrawal is generally unpleasant, as the chemical is addictive, and individuals suffering from nicotine withdrawal are likelier to fail at their smoking cessation plan. Mitigating the effects of nicotine withdrawal while proceeding with a smoking cessation plan has been shown in certain studies to assist an individual with achieving their overall smoking cessation goals (Quit Victoria).

Nicotine patches can be prescribed as part of a smoking cessation program. The smoking cessation program may include other nicotine supplements such as gum, pills, etc. Nicotine patches are eligible for reimbursement with a consumer-directed healthcare account if it has been prescribed as part of a smoking cessation program.

Nicotine patches are sold in a variety of Over-the-Counter (OTC) packages by several different brands. A medical professional will prescribe a specific strength and usage amount based on the individual's previous smoking habit. Nicotine patches provides nicotine to the user's bloodstream, and therefore the same health concerns will arise from the use of nicotine gum as with cigarettes, excepting the risks and damages resulting from inhaling burned plant matter.

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Specifically Not Covered

Not eligible without a prescription.

Legal Information / Regulations

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

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