Is Muscle rub HSA eligible?

Yes, Muscle rub is generally eligible for HSA (Health Savings Account) reimbursement. Yes, muscle rub is an eligible expense for HSA, FSA, and HRA accounts.

Is Muscle rub FSA eligible?

Yes, Muscle rub is generally eligible for FSA (Flexible Spending Account) reimbursement. Yes, muscle rub is an eligible expense for HSA, FSA, and HRA accounts.

Do I need a prescription or Letter of Medical Necessity for Muscle rub?

No special documentation is typically required for Muscle rub. However, always keep your receipts for substantiation.

Muscle rub

Yes, muscle rub is an eligible expense for HSA, FSA, and HRA accounts.

Eligible for HSA, FSA, HRAhigh confidence

Eligibility Matrix

Eligibility status for all account types

Account Type	Status	Notes
HSA	Eligible	Health Savings Account
FSA	Eligible	Flexible Spending Account
HRA	Eligible	Health Reimbursement Arrangement

Quick Reference

Muscle rubs are considered over-the-counter (OTC) medicines or drugs used to alleviate pain or treat minor muscle discomfort. Under IRS rules, expenses for medicines and drugs that treat or mitigate a medical condition are qualified medical expenses. The CARES Act of 2020 clarified that OTC medicines and drugs, including muscle rubs, are eligible without a prescription.

When It Qualifies

•Must be used for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body.

When It Doesn't

•Not eligible if used for general wellness or cosmetic purposes without a medical condition.

Official Source

IRS Publication 502 (2024)

Medicines and Drugs

View on IRS.gov

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, always check with your specific plan administrator as individual plan rules can vary. Keep detailed records and receipts for all purchases in case they are needed for substantiation.