Analgesics (OTC): FSA Eligibility

Analgesics (OTC): eligible with a Flexible Spending Account (FSA)
Analgesics (painkillers) are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or health reimbursement arrangement (HRA). Analgesics are not eligible for reimbursement with a limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).

FSA Eligible Pain Relief

What are analgesics?

Analgesics is the blanket term for a wide range of drugs that are used to bring about "analgesia," or pain relief. Unlike anesthetics that eliminate sensations, analgesics are designed to treat both peripheral and central nervous systems to alleviate pain associated with both mild and severe medical conditions. These medications come in a variety of forms, such as over-the-counter pain relievers like Tylenol and Advil, to more advanced pain relievers like oxycodone or morphine (WebMD). The most common classifications of analgesics include:

Nonsteroidal Anti-Inflammatory Drugs (NSAIDs)

This classification typically refers to drugs that manage mild to moderate pain involving the musculoskeletal system. In addition to pain relief, these drugs have anti-inflammatory and fever-reducing properties, which makes them ideal for alleviating pain relating to joint and muscle issues, headaches, arthritis symptoms, and everyday aches and pains. The most common over-the-counter (OTC) drugs include Aspirin, Ibuprofen, Ketoprofen and Naproxen, while more advanced NSAIDs can also be found in prescription form (Mayo Clinic).


For more advanced pain symptoms that NSAIDs may not be able to alleviate, doctors may prescribe opioids for issues that may not respond well to OTC medications. Opioids bind to receptors in the brain, spinal cord, and other areas of the body to reduce pain by blocking pain signals on their way to the brain. Opioids come in a variety of strengths and prescription levels, but the most common forms include Codeine, Hydrocodone, Morphine, Oxycodone, Acetaminophen, Methadone and more (Mayo Clinic).


Analgesics are also frequently used in tandem to create synergistic effects to combat multiple sites of pain, treat non-pain symptoms, inflammation and even allergic symptoms. Typically, NSAIDs are combined with weaker opioids to attack multiple pain points, or matched with additional drugs to treat multiple symptoms. For instance, antihistamines are typically combined with NSAIDs to reduce allergic symptoms, while providing pain relief and anti-inflammatory properties.

Prescription analgesics would be eligible with a prescription from a medical professional.

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