Hydrogen Peroxide: FSA Eligibility

Hydrogen peroxide is an eligible over-the-counter (OTC) medicine with a prescription from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Hydrogen peroxide reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

What is hydrogen peroxide?

Hydrogen peroxide is a chemical compound that in its purest form is a colorless liquid, and is very similar to the chemical composition of water, but features two oxygen atoms bonded together in its molecule. The term "peroxide" encompasses a wide range of chemical products, which are often used as an oxidizer, disinfectant or bleaching agent. The most common form is hydrogen peroxide, which has the most basic chemical composition and is used in a variety of medical applications.

Hydrogen peroxide has been the go-to antiseptic for minor cuts, scrapes and burns for generations, and it works by releasing oxygen when it's applied to the affected area. This in turn will cause the liquid to foam up, which will remove dead skin that may still be present and disinfect the area to prepare it for a bandage or other wound dressing. Hydrogen peroxide is also extremely effective mouth rinse to remove mucous, to treat mouth irritation (canker sores, gingivitis, etc.) or to prevent infections after a tooth extraction by disinfecting these areas during each use. However, hydrogen peroxide should not be used for deep wounds, major burns or animal bites.

Why does hydrogen peroxide require a prescription for reimbursement?

As a result of the passage 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-directed healthcare accounts, account holders must submit a prescription from a physician for each product. This does not apply to the reimbursement of the cost of insulin, but common OTC products like pain relief medications, cold & flu products and many more require a prescription for full reimbursement through a FSA, HSA or HRA.

Eligibility Table

Flexible Spending Account (FSA) Limited Care FSA Dependent Care FSA Health Savings Account (HSA) Health Reimbursement Account (HRA)


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 2/19/2018 8:01:39 AM