Ear Wax Removal: FSA Eligibility

Ear wax removal products are eligible over-the-counter (OTC) products with a prescription from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Ear wax removal reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

What is ear wax?

Earwax, also known as cerumen, is the body's means of preventing dust, dirt and bacteria from entering the ear canal and these potentially harmful particulates are expelled from the ear normally through movements of the jaw. However, when blockages occur, this material is particularly difficult to remove and the most common extraction method of cotton swabs has the potential to damage the inner ear canal. Blockages can be caused by excess environmental dirt and dust, improper use of cotton swabs and Q-tips, or regular disturbance in the ear through the use of hearing aids and/or ear plugs.

What is the most effective way to remove ear wax?

Wax removal drops are designed to help clear blockages in the ear canal caused by an overabundance of wax buildup. Wax buildup can lead to hearing issues and discomfort over time. Wax buildup can also make it more difficult to accurately measure body temperature through the use of an ear thermometer.

What is the safest way to remove ear wax?

Wax removal drops are among the safest means of softening wax buildups in the inner ear. Wax removal drops allow the wax contents drain out on their own. Cotton swabs and other implements which extract wax through physical scraping and rubbing can rupture the inner eardrum when used improperly. Wax removal drops usually contain the active ingredient carbamide peroxide, which releases oxygen and foams inside the ear canal. About 5-10 drops are placed in each ear, which is allowed to set briefly. Then the excess wax can be safely and gently removed with cotton balls. If there is any difficulty, light suction with a bulb syringe can assist in extracting the remaining wax.

Eligibility Table

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.

 


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