Melatonin
Melatonin is eligible for HSA, FSA, and HRA with a Letter of Medical Necessity (LMN) or a prescription from a licensed healthcare provider, confirming its use to treat a specific medical condition.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
A letter from a licensed healthcare provider stating that melatonin is medically necessary to treat a specific diagnosed condition.
A prescription from a licensed healthcare provider for melatonin to treat a specific diagnosed condition.
The melatonin must be used to treat a specific medical condition, such as a sleep disorder, diagnosed by a healthcare professional.
Quick Reference
While melatonin is widely available over-the-counter, the IRS generally considers it a dietary supplement rather than an over-the-counter medicine. For dietary supplements to be eligible, they must be recommended by a medical professional to treat a specific medical condition. This typically requires a Letter of Medical Necessity or a prescription.
When It Qualifies
- •Must be prescribed or recommended by a licensed healthcare provider.
- •Must be used to treat a specific diagnosed medical condition (e.g., a sleep disorder).
- •Documentation (prescription or LMN) must be retained for substantiation.
When It Doesn't
- •Not eligible if used for general health, wellness, or preventative purposes without a specific medical diagnosis and recommendation.
- •Not eligible if purchased without a prescription or LMN.
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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
Eligibility can vary based on your specific plan administrator's interpretation and requirements. Always keep detailed records and receipts for all eligible expenses. This information is for educational purposes only and not tax or legal advice.