ACT mouthwash
ACT mouthwash, which typically contains fluoride for cavity prevention, is eligible for HSA, FSA, and HRA reimbursement.
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
ACT mouthwash contains fluoride, an active ingredient used for the prevention of dental disease (cavities). The IRS defines medical care to include amounts paid for the prevention of disease. Additionally, the CARES Act of 2020 made over-the-counter (OTC) medicines and drugs, such as fluoride mouthwash, eligible for reimbursement without a prescription.
When It Qualifies
- •The mouthwash must contain an active ingredient (like fluoride) intended for the prevention or treatment of a dental condition or disease.
- •It must not be used purely for cosmetic purposes.
When It Doesn't
- •Mouthwash used solely for cosmetic purposes, such as breath freshening without any active medical ingredients for disease prevention or treatment, is not eligible.
Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
While this information is based on IRS guidelines, individual plan administrators may have specific requirements. Always retain your receipts for substantiation and consult your plan administrator for definitive eligibility.