Is Pain relievers FSA/HSA eligible?
Yes. Over-the-counter pain relievers like ibuprofen, acetaminophen, and aspirin are FSA and HSA eligible with no prescription.
Why
What the IRS rules say
The CARES Act removed the prescription requirement for over-the-counter medicines in 2020. Pain relievers are OTC drugs, so they qualify straight off the shelf, whether you swipe your benefits card or file for reimbursement.
Based on CARES Act (2020), Section 3702.
How to pay with FSA/HSA
You have two options. Swipe your FSA or HSA card at checkout and it comes straight out of your benefits, or pay your own way, keep the receipt, and file for reimbursement. Either works.
Good to know
Common questions
Do I need a doctor's note?
No. Since the CARES Act in 2020, OTC pain relievers are eligible without a prescription or note.
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