Items you can buy with FSA card – In this article, we will show you the full list of things you can buy with FSA OTC card.
What Is an FSA OTC Card?
An FSA (Flexible Spending Account) is a special account you can set up through your employer to pay for certain out-of-pocket healthcare costs, typically using pre-tax money. Your FSA funds can be accessed via a debit-like card—often referred to as an “FSA card.” In some cases, employers or insurance providers also offer an OTC (Over-the-Counter) card, which is specifically designed for purchasing eligible medical items or medications that don’t require a prescription.
Best things you can buy with FSA card online: If an expense is considered medically necessary or improves your healthcare, there’s a good chance you can use your FSA funds for it. However, always remember that FSA rules can vary by plan, so check with your FSA administrator or your HR department if you have any doubts.
Why Use an FSA OTC Card?
- Save Money: Your FSA contributions are taken out of your paycheck before taxes, which means you save on income taxes.
- Convenience: Your FSA OTC card works just like a debit card, making it straightforward to pay for eligible items at pharmacies, grocery stores, and even online retailers.
- Expanded Coverage: Following updates from regulations (including the CARES Act), many over-the-counter medications and products are now eligible—even more reason to take advantage of your benefits!
FSA OTC Eligible Items
- Over-the-counter medications like pain relievers, cold and flu remedies, and allergy meds no longer require a prescription to be FSA-eligible (thanks to the CARES Act).
- Products primarily used for general health or well-being may not be covered (think vitamins or supplements without a prescription).
- Check if you need a Letter of Medical Necessity for certain items like special skincare products or supportive devices.
Things You Can Buy with FSA OTC Card
Cool things you can buy with FSA card! Keep in mind that this is a general guide, and your specific FSA plan may differ slightly in its coverage.
First Aid Essentials
1. Bandages and Wraps (e.g., adhesive bandages, gauze, elastic bandages, sports wraps)
2. First Aid Kits (premade or individual first aid components)
3. Hydrogen Peroxide and Rubbing Alcohol for wound cleaning
4. Antibiotic Ointments (e.g., Neosporin)
5. Hot/Cold Packs (for injuries, muscle aches)
Over-the-Counter Medications
6. Pain Relievers (e.g., ibuprofen, acetaminophen, aspirin)
7. Cold & Flu Meds (e.g., decongestants, cough syrup, throat lozenges)
8. Allergy Relief (antihistamines, nasal sprays)
9. Antacids and Heartburn Relief (e.g., Tums, Prilosec OTC, Pepcid)
10. Anti-Diarrheal/Anti-Nausea (e.g., Pepto-Bismol, Imodium)
11. Topical Pain Relievers (e.g., muscle rubs, lidocaine patches)
Skin Care & Sun Protection
12. Sunscreen (SPF 15 or higher is often required to be eligible)
13. Medicated Acne Treatments (e.g., creams, gels)
14. Eczema & Psoriasis Treatments (OTC hydrocortisone creams, ointments)
Note: General-purpose skincare (moisturizers or cosmetic items) is typically not covered unless it has a specific medical use.
Women’s Health & Maternity Products
15. Pregnancy Tests
16. Fertility Monitors and Supplies
17. Prenatal Vitamins (some plans require a prescription, so double-check)
18. Nursing Pads and Breastfeeding Supplies (like breast pumps—but breast pumps often require a specific benefit or prescription)
Family Planning & Sexual Health
19. Condoms
20. Lubricants (medical-grade only; check plan rules)
21. Emergency Contraceptives (Plan B, etc., if approved by your FSA)
Diagnostic & Monitoring Devices
22. Thermometers (oral, ear, forehead)
23. Blood Pressure Monitors
24. Blood Glucose Testing Kits, Test Strips, and Lancets (for diabetic care)
25. Pulse Oximeters (for measuring oxygen levels)
Eye Care
26. Contact Lens Solution and Cases
27. Contact Lens Eye Drops
28. Reading Glasses
29. Eye Patches (medical use, not novelty)
Foot Care
30. Arch Supports and Orthotic Insoles
31. Corn, Callus, and Wart Removers
32. Medicated Foot Powders and Sprays
Support & Mobility
33. Braces and Supports (knees, wrists, ankles)
34. Splints and Slings
35. Canes, Crutches, or Walkers (some plans may have special requirements)
36. Neck Collars (for injuries)
Baby & Children’s Health
37. Infant and Child Pain Relievers (infant acetaminophen, ibuprofen)
38. Infant Electrolyte Solutions (Pedialyte)
39. Teething Gels and Teething Rings (some might need plan confirmation)
40. Baby Sunscreen (with appropriate SPF)
Read Also: 15 Stores that Accept FSA OTC Card
Tips to Make the Most of Your FSA OTC Card
- Check Your Plan’s Summary: Every FSA plan might have slightly different rules, so it’s always a good idea to review your plan’s summary or official website.
- Keep Your Receipts: Even though you’re using a dedicated card, it’s smart to hold onto those receipts in case you need documentation for any reason.
- Stay on Top of Deadlines: FSAs are known for the “use it or lose it” rule. Find out when your plan’s spending deadline is (often December 31 or March 15 of the following year) and make sure you use your remaining balance before it expires.
- Ask HR When in Doubt: If you’re unsure about eligibility, your best bet is to reach out to your HR representative or FSA administrator. They’re there to help!
FAQ: Common Questions About FSA OTC Cards
Q: Can I buy vitamins or supplements with my FSA OTC card?
A: Generally, vitamins and supplements require a prescription or doctor’s note (Letter of Medical Necessity) to be considered FSA-eligible. Over-the-counter dietary supplements for general wellness are typically not covered.
Q: Do I need a prescription for over-the-counter medications now?
A: After the CARES Act changes, most OTC medications no longer require a prescription to be FSA-eligible. However, it’s always best to check with your plan.
Q: Can I buy personal hygiene items like toothpaste or shampoo with my FSA?
A: Unfortunately, items that are purely for personal hygiene or cosmetic purposes (toothpaste, shampoo, deodorant) are not covered by FSA funds.
Q: Can I use my FSA funds for shipping or sales tax on eligible items?
A: Many plans allow it, but it can vary. If you’re ordering items online, check your plan details or call your FSA administrator to confirm.
Read Also: 10 Best OTC Cards for Seniors
Final Thoughts
Your FSA OTC card can be a lifesaver—literally—when it comes to everyday medical expenses. From first aid essentials to over-the-counter medications and much more, there are a variety of items that can help you stretch your healthcare budget. Just remember to check your plan’s guidelines, keep your receipts, and use your funds before they expire!
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Discover everything you can buy with an FSA OTC card, from first aid kits and over-the-counter meds to diagnostic devices and more. Get the most out of your FSA benefits today!
Disclaimer: This article is for informational purposes only and does not constitute legal, tax, or medical advice. Always consult your FSA plan’s official documentation or a qualified professional for personalized guidance.