FREE shipping on orders over $50!*
We accept all FSA Cards and all major credit cards
 
 

Anti-Itch Cream or Lotion: FSA Eligibility

Anti-itch cream or lotion is eligible for reimbursement with a prescription from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Anti-itch cream or lotion is not eligible for reimbursement with a limited care flexible spending account (LCFSA) or dependent care flexible spending account (DCFSA).

How does anti-itch cream work?

Anti-itch creams or lotions, also known as antipruritics, fall into the category of topical skin treatments that are used to relieve pain, itching, and discomfort caused by common skin conditions, insect bites, and other forms of environmental exposure. These products utilize a variety of active ingredients that treat itching, burning, and other skin maladies in their own unique ways. Anti-itch creams or lotions typically utilize the following ingredients:

  • Antihistamines: In topical form, antipruritics like Benadryl utilize antihistamines to block the formation of histamine in the body that causes itching from allergic reactions.
  • Corticosteroids: The most common is hydrocortisone cream, which is designed to treat localized inflammatory reactions. This versatile product can treat itching, as well as alleviating the underlying inflammation that contributes to the ailment.
  • Local Anesthetics: By utilizing a topical anesthetic and deadening the uppermost layers of the skin, topical anesthetics (such as Lanacane) ease the itching and discomfort by blocking specific nerve pathways in the skin to alleviate symptoms.

Anti-itch creams and lotions are used to treat a variety of skin conditions, such as eczema, dermatitis, allergies and rashes, as well as maladies that arise from environmental factors like sunburn, insect bites and poison ivy/sumac. However, if patients have a history of allergic reactions from topical products or are unsure of what type will work best for their skin condition, it may be best to check with a physician to develop the ideal treatment plan.

Why does anti-itch cream or lotion require a prescription for reimbursement?

As a result 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 OTC medicines and drugs under FSAs, HSAs and other consumer spending accounts, account holders must submit a prescription from a physician for each product.

OTC anti-itch creams or lotions now require a prescription from a doctor to be purchased through an FSA, HSA or HRA. For more information on a specific product, please consult our Eligibility List.

 
Flexible Spending Account (FSA) Limited Care FSA Dependent Care FSA Health Savings Account (HSA) Health Reimbursement Account (HRA)
Eligible
Eligible with Rx
Eligible with LMN
Not Eligible
 
 
Additional Information

FSAstore.com'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.