Hand Sanitizer: FSA Eligibility

Hand sanitizer is an over-the-counter (OTC) item that is eligible for reimbursement with a prescription with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Hand sanitizer is not eligible for reimbursement with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

What is hand sanitizer?

Hand sanitizer is an antiseptic that typically contains ethyl alcohol as a primary ingredient to kill viruses and bacteria that a person can come into contact with over the course of the day and may still linger on their extremities. While the most effective means of cleaning one's hands is still warm water and soap, hand sanitizer was invented in 1966 as a means of preventing the spread of pathogens and disease when traditional means weren't available.

While ethyl alcohol is the primary ingredient found in most commercial hand sanitizers, they may also contain water, fragrance and glycerin as well. However, as more products come to market and some individuals opt for homemade remedies, it's vital to remember that the alcohol concentration found in these products is pivotal for their germ-killing abilities. When shopping for hand sanitizer, pay particular attention to the ingredient lists, and in particular, the product's overall alcohol concentration. Ethyl alcohol, ethanol, isopropanol or other variations are acceptable, but hand sanitizer must contain an alcohol concentration between 60 and 95 percent to truly eliminate viruses and bacteria (LIVESTRONG).

Hand sanitizer and FSA/HSA/HRA reimbursement

As a result of the passage of the Patient Protection and Affordable Care Act (PPACA), as of January 1, 2011, OTC items containing an active medical ingredient require a prescription for reimbursement with an FSA, HSA or HRA. To reimburse the cost of OTC medicines and drugs under FSAs, HSAs and other consumer spending accounts, account holders must submit a prescription for each product.

However, not every OTC product falls under this distinction and thousands of products continue to remain eligible without a prescription including bandages, first aid supplies, most sunscreens, diagnostic products, products for infant care and so much more. For more information on a specific product, be sure to consult our Eligibility List.

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.



AZ-PROD-WEB01 12/10/2018 9:27:05 AM