Capsaicin cream
Capsaicin cream is eligible for HSA, FSA, and HRA reimbursement as an over-the-counter (OTC) medicine.
Eligible for HSA, FSA, HRAhigh confidence
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
The IRS considers over-the-counter medicines and drugs, including topical pain relief like capsaicin cream, as eligible medical expenses. This eligibility was expanded by the CARES Act in 2020, removing the previous requirement for a prescription.
When It Qualifies
- •Must be used for a medical condition, such as pain relief, and not for general health or cosmetic purposes.
When It Doesn't
- •Not eligible if used for general wellness or cosmetic purposes.
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Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
While generally eligible, specific plan administrators may have their own substantiation requirements. Always keep detailed receipts for your records. This information is for educational purposes only and not tax or legal advice.