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Health Care FSA allows OTC medicines without a prescription

The CARES Act, passed in March, allows patients to use FSA funds to purchase over-the-counter (OTC) drugs and medicines, including menstrual products and those needed in quarantine and social distancing, without a prescription from a physician. Here is a list of eligible items. These changes are for expenses incurred after December 31, 2019.

Participants who use their FSA debit card for OTC drugs and medicines will likely have to provide a receipt for their purchase. However, work is being done to try to auto-substantiate these OTC products at the point of sale. If your debit card doesn’t work at time of purchase, you can pay out of pocket and request reimbursement from your FSA account.

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