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Antibiotics: FSA Eligibility

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

What are antibiotics?

Antibiotics, also known as anti-bacterials, are the primary treatments to combat illnesses and infections caused by bacteria, as they either stop these organisms from reproducing or kill them altogether. Typically, doctors will prescribe a broad spectrum antibiotic that will target a wide range of potential bacterial infections, but there are also narrow spectrum antibiotics that are designed to eliminate specific bacteria. Antibiotics are used to combat bacterial illnesses, such as meningitis, tuberculosis and salmonella, and they are also used as a preventive measure before surgeries (prophylactic use) to prevent potential infections after surgery.

How were antibiotics developed?

The first antibiotic ever developed was penicillin by Sir Alexander Fleming in 1928, which was derived from experiments on the influenza virus. By chance, Fleming discovered that mold had begun to form on a staphylococcus culture plate, and the mold bacteria had created a bacteria-free circle around itself. After further research, Fleming found that, even when diluted, the mold culture stunted the growth of staphylococcus bacteria, and he chose to name the newly-minted antibiotic penicillin.

By World War II, penicillin was put into mass production and saved thousands of lives by treating troops in the field and in hospitals for infections. It was nicknamed "the wonder drug" by the American press and sparked a race between drug manufacturers to develop newer and more effective antibiotics. Today, four out of five Americans each year are prescribed antibiotics to treat a wide variety of conditions and these medications are among the most significant medical discoveries to emerge from the 20th century.

How is antibiotic reimbursement processed?

The vast majority of antibiotics require a prescription from a doctor to be filled and reimbursed through an FSA, HSA or HRA, but antibiotic ingredients are sometimes found in over-the-counter (OTC) products, as well. In these cases, a prescription from a doctor would still be required for reimbursement with a consumer spending account to conform with the regulations put into place under the Patient Protection and Affordable Care Act (PPACA).

 
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.