Eczema cream
Eczema cream is eligible for HSA, FSA, and HRA accounts as it is considered an over-the-counter medicine used to treat a medical condition.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
The IRS considers medicines and drugs that treat a medical condition to be qualified medical expenses. Following the CARES Act, over-the-counter (OTC) medicines and drugs, including eczema cream, no longer require a prescription to be eligible for reimbursement from health spending accounts. Eczema cream is used to alleviate symptoms and treat the skin condition eczema.
When It Qualifies
- •The cream must be used to treat eczema or another diagnosed medical skin condition.
- •It must not be used for general cosmetic purposes or for enhancing appearance.
When It Doesn't
- •Creams or lotions used solely for cosmetic purposes, general moisturizing, or to improve overall skin appearance without treating a specific medical condition are not eligible.
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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 and not tax or legal advice.