Supplements: FSA Eligibility

Supplements are eligible over-the-counter (OTC) items that often require a prescription from a doctor for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Supplements reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

What are supplements?

Vitamin and nutritional supplements constitute a multi-billion dollar industry that design and market a wide range of vitamin and mineral supplements, herbal supplements and sports nutrition products. While these products undoubtedly can play a tangible role in improving a person's overall health and can help to fill nutritional gaps that may be present in one's diet, the IRS considers the vast majority of these products as items that will support an individual's "general health," and will not aid in the treatment or prevention of a legitimate medical conditions.

However, while by and large most vitamin supplements are not covered by consumer-directed healthcare accounts like FSAs and HSAs, there are some exceptions to this rule that would make them eligible for reimbursement with a prescription from a physician. For instance, the supplements glucosamine and chondroitin form the building blocks of healthy cartilage in our joints, and they are taken by individuals with osteoporosis or at a high risk of the condition to slow the breakdown of joint cartilage and to relieve pain. With a prescription from a doctor, these supplements would be eligible for reimbursement.

In addition to glucosamine and chondroitin, there are a number of other vitamins and supplements that are eligible for reimbursement through consumer-directed healthcare accounts, such as prenatal vitamins, melatonin, biotin, turmeric and much more. These products are only eligible for reimbursement with a prescription from a doctor, but in very rare cases a Letter of Medical Necessity (LMN) may be accepted. For any questions regarding a specific supplement's eligibility, contact your benefits administrator.

Supplements: Best Sellers


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

Over-the-counter medicines are eligible with a prescription from a doctor. Over-the-counter items not containing a medicine are eligible without a prescription.

Legal Information / Regulations

Prescription Required for most. Information Letter (IL) 2009-0209; Notice 2010-59.

 


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