Pads: FSA Eligibility

Pads: eligible with a Flexible Spending Account (FSA)

Some pads that are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA) as they are primarily used for treatment of a medical condition. Visit our website to determine which pads are eligible and do not require a prescription. Pads reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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What are pads?

Pads are among the most common means of delivering targeted therapy, medicated ingredients or safeguarding a specific area of the body for a particular medical purpose. These products encompass a huge range of potential products, including cooling headache pads, hot/cold therapy pads, nursing pads, bladder control pads, moleskin pads, first aid pads and bandages and much more.

To determine whether a pad product is eligible for reimbursement or requires a prescription for reimbursement through an FSA, HSA or HRA, the pad must contain a medicated ingredient to 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, a new set of uniform standards were put into place regarding the reimbursement of medical expenses. To reimburse the cost of Over-the-Counter (OTC) medicines and drugs under FSAs, HSAs and other consumer spending accounts, account holders must submit a prescription for each product. This does not apply to the reimbursement of the cost of insulin, but common everyday products like pain relief medications, cold & flu products and many more will require a prescription for full reimbursement.

How does the prescription process work?

The reimbursement of OTC medicines begins by requesting prescriptions for medications during a routine doctor's appointment, or by following the Prescription Process found on and Each of our products are marked with a blue "Rx" symbol for those that require a prescription for reimbursement, as well as red check marks that mark the products as free to purchase without a prescription. This can help you easily determine whether pads will require additional documentation for reimbursement through a consumer-directed healthcare account or if they can be reimbursed quickly by being purchased over-the-counter.

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Legal Information / Regulations

Under IRC 213(d)(1), "medical care includes amounts paid for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body." This includes medical equipment and devices.

Check out these FSA Eligible Categories