Nipple cream
Nipple cream used to treat discomfort, soreness, or cracking is eligible for HSA, FSA, and HRA accounts.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
Nipple cream, when used to alleviate discomfort, soreness, or cracking, particularly associated with breastfeeding, is considered an over-the-counter medical expense. The IRS allows expenses paid for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body. Since the CARES Act, over-the-counter medicines and products no longer require a prescription to be eligible.
When It Qualifies
- •Must be used to treat a specific medical condition such as soreness, cracking, or irritation.
- •Not eligible if used purely for cosmetic purposes or general skin moisturizing without a medical need.
When It Doesn't
- •Products used solely for cosmetic enhancement or general wellness without addressing a specific medical condition.
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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, always check with your specific plan administrator as individual plan rules can vary. Keep detailed records and receipts for all purchases.