Topical Analgesics (Muscles and Arthritis): FSA Eligibility

Topical analgesics are eligible with a prescription for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Topical analgesics are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

What are topical analgesics?

Topical analgesics are pain relievers (another term for analgesic) that are applied on the skin, or topically. Topical analgesics are usually used to relieve muscle pain, or to relieve joint pain. Topical analgesics are applied via spray, lotion, ointment, or rub. They may work via heat (capsaicin), salicylate (like aspirin), or counterirritation (menthol) which can serve as a distraction from the pain of an injury or condition (WebMD).

What are muscle pain relievers?

Muscle pain relievers are medical products that treat muscle pain. The most common muscle pain relievers are liniments and hot/cold therapy.

Liniments are topical skin applications which are usually a little less viscous than lotions. They are also called balms or heat rubs, and are useful on muscle pain, soreness, and arthritis. Liniments produce a feeling of warmth in a particular spot. Liniments are sold as popular brands such as Tiger Balm. Liniments are Over-the-Counter (OTC) products that require a prescription from a medical doctor in order to be considered eligible for reimbursement with a consumer-directed healthcare account (ScienceDirect).

Trolamine salicylate is another topical skin application that is absorbed through the skin and reduces the acidity of salicylic acid, which delays and reduces the intensity of muscle soreness onset. Trolaime salicylate is an Over-the-Counter (OTC) topical analgesic and it requires a prescription from a medical doctor in order to be considered eligible for reimbursement with a consumer-directed healthcare plan.

Hot and cold packs are another method for relieving muscle pain. Hot and cold packs are reusable packs that can be held against a muscle or joint to deal with swelling, pain, or soreness. The pack can either be heated in the microwave at home or chilled in the fridge or freezer.

Topical Analgesics (Muscles and Arthritis): Best Sellers

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's Prescription Process can help. Click Here to learn more.

Specifically Not Covered

Prescription required.

Legal Information / Regulations

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

RD0003FF189C24 11/12/2018 9:56:14 PM