Artificial tears
Artificial tears are eligible for HSA, FSA, and HRA reimbursement as they are considered an over-the-counter medicine used for medical care.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
Artificial tears are classified as an over-the-counter (OTC) medicine used to alleviate symptoms of dry eyes or irritation, which constitutes medical care. The CARES Act of 2020 made OTC medicines and drugs eligible for reimbursement without a prescription, making artificial tears a qualified medical expense.
When It Qualifies
- •Must be used for medical care to alleviate or treat a medical condition (e.g., dry eyes, irritation).
- •Purchased for the primary purpose of medical care.
When It Doesn't
- •Not eligible if used purely for cosmetic purposes or general wellness without 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 may vary. Keep all receipts for your records in case substantiation is required. This information is for educational purposes only and not tax or legal advice.