In general one carry only Over the Counter Drugs without doctor prescription. There are some drug also which can carry with Doctor prescription. Please read below -
Over-The-Counter Medicines & Drugs
Rules for Reimbursement under Flex (FSAs)
Based on a September 3, 2003 Revenue Ruling and in discussions with
the IRS, expenses incurred by Flex Plan Participants for the purchase
of over-the-counter medicines and/or drugs to treat a medical
condition are reimbursable from your medical expense flex account
upon substantiation of:
q Evidence of the name of the medicine or drug, the date
purchased and the amount paid on a receipt from
independent third party (i.e. store, pharmacy);
q Completion of a Reimbursement Request/Claim Form with
over-the-counter purchases detailed line by line which must
specify who the expense is for (employee, spouse or
dependent);
q The participant's certification that such medicine or drug is
for medical care.
The following three lists will help you determine which over-thecounter
items can be reimbursable by your flex plan and what
additional documentation will be required before reimbursement is
made. The drug must be legal and legally procured ; e.g. it is
currently illegal to import drugs from Canada.
List # 1:- Medical-Only Items
This “Medical Only” list is a list of OTC drugs that we have determined
are primarily for medical care and that will be reimbursable in
reasonable quantities without a doctor's note if you provide the
substantiation listed above.
q Anti-diarrhea medicine, laxatives like Ex-Lax
q Antacids
q Allergy medicine
q Pain Reliever
q Cold Medicine
q Menstrual cycle products for pain and cramp relief
q Cough Drops, throat lozenges, sinus medication, nasal sinus
sprays
q Nicotine Gum or patches for stop-smoking purposes
q Special ointment or cream for sunburn (not just regular
moisturizers)
q Ben Gay, Tiger Balm, and similar products for muscle pain or
joint pain
q Pedialyte for ill child's dehydration
q Items that used to be a prescribed drug are usually
reimbursable
q First aid cream, Bacatine, special diaper rash ointments,
calamine lotion, bug bite medication, wart remover treatments
q Visine and other such eye products
q Suppositories and creams for hemorrhoids
q Sleeping aids
q Motion Sickness Pills
q Band-Aids, bandages, gauze pads, first aid kits
q Cold/hot packs for injuries
q Rubbing alcohol
q Liquid adhesive for small cuts
q Reading Glasses
q Contact Lens cleaning solution
q Carpal tunnel wrist supports
q Pregnancy test kits
q Condoms
q Spermicidal foam
q Thermometers (ear or mouth)
q Incontinence supplies
q Nasal strips
q Diabetic Test supplies
q Blood Pressure Monitor
q Crutches
q Take home screening tests including kits for detecting colon
cancer, hepatitis C and HIV.
List # 2:- “Dual Purpose” Items Requiring Doctor's
Diagnosis and Recommendation
“Dual Purpose” OTC drugs are ones that are deemed to have both a
medical purpose and a personal/cosmetic or general health purpose.
OTC drugs on this list that will be reimbursed only with a doctor's
note stating that person has a specific medical condition and
that the OTC drug/medicine is recommended to treat it and
that the treatment is not for cosmetic purposes. In addition, the
participant must still supply the proper substantiation listed at the top
of this document.
q Weight Loss Drugs to treat a specific disease
q Pills for persons who are lactose intolerant
q Orthopedic Shoes and inserts (only the extra cost over buying
non-orthopedic shoes/boots can be reimbursed). The average
cost of non-orthopedic shoes will be considered to be $25 and
non-orthopedic boots will be $50.00.
q Feminine hygiene products
q Sunscreen (must have present existence of a disease such as
skin cancer)
q Acne Treatment (most skin care and acne treatment is NOT
reimbursable because it constitutes a cosmetic procedure.
There is an exception if the procedure is necessary to
ameliorate a deformity arising from, or directly related to, a
congenital abnormality, a personal injury resulting from an
accident or trauma, or disfiguring disease”)
q Glucosamine/chondroitin for arthritis or other medical
condition. St. John's Wort for depression.
q OTC hormone therapy and treatment for menopause to treat
symptoms such as hot flashes, night sweats, etc.
q Medicated Shampoos under narrow circumstances
o Only if a doctor diagnoses the person as having a
specific scalp infection (not just dry scalp or dandruff)
and prescribes a special treatment to be applied for a
limited period of time.
q Fiber Supplements under narrow circumstances
o Not reimbursable if taken daily as a supplement to
normal diets, but reimbursable if taken to treat a
specific medical condition for a limited time.
q Dietary Supplements or herbal medicines to treat a specific
medical condition in narrow circumstances
o Example: Doctor tells you to take 1000 MG of vitamin
B-12 daily to treat a specific vitamin deficiency or to
take Vitamin B for Scurvy.
o Dietary Supplements to improve and maintain general
health are NOT reimbursable. (e.g. one-a-day vitamins)
o Prenatal vitamins
List # 3:- Excluded Items
This is a list of OTC items which are deemed to be merely beneficial for
general health or are cosmetic in nature. They are NOT eligible for
reimbursement under Flex Plans (FSAs).
q Battery-Operated toothbrushes, even if a dentist or medical
doctor prescribes use to treat a medical condition such as
Gingivitis.
q Dietary Supplements
q Nutritional Supplements
q Food Replacements
q Vitamins
q Toiletries and cosmetics such as:
o Toothpaste or toothbrushes even if a dentist
recommends using them because these items are
needed by everyone for general good health.
o Chapstick etc.
o Face creams, deodorants, moisteners and suntan lotion
o Medicated shampoos and soaps for dry skin, dry scalp
or dandruff.
The above is not a complete list, only a guideline and subject to
modification based on evolving interpretation of rules and
regulations by the IRS. Please contact your plan administrator
at FEBCO Inc. with any questions:502-695-9690 or 800-489-
1539