Antiseptics: FSA Eligibility

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

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

What are antiseptics?

Antiseptics are substances that are applied to skin and other tissue that can reduce the chances of infection, sepsis and other complications by eliminating microbes and bacteria from the surface of skin. Antiseptics are separate from antibiotics that destroy bacteria within the body and from disinfectants that can destroy bacteria/microbes on non-living objects and surfaces. Antiseptics are often referred to as skin disinfectants, which are invaluable in decreasing the chance of complications from an injury (LIVESTRONG).

The role an antiseptic will play in treating an injury is based on its alcohol concentration. For instance, hydrogen peroxide has an alcohol concentration of 6 percent and is primarily used to cleanse wounds, while stronger solutions can be as high as 30 percent to be used as a bleaching or oxidizing agent. Antiseptics are used in a variety of medical settings and can play a viable role in a wide range of treatments, including hand washing, disinfecting skin before an operation, mucous membrane disinfection, preventing and treating infected wounds and burns and treating mouth or throat infections (National Center for Biotechnology Information).

Why do antiseptics require a prescription for FSA/HSA/HRA reimbursement?

As a result of the passage of the Patient Protection and Affordable Care Act (PPACA), all over-the-counter (OTC) products with a medicated ingredient now require a prescription from a doctor for reimbursement through an FSA, HSA or HRA. These prescriptions are submitted with a traditional claim form, which are quickly reimbursed through consumer-directed healthcare accounts. These regulations were put in place to prevent "stockpiling" of specific products with excess account funds, and to ensure that these products are used to treat legitimate medical conditions.

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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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