Hydrocortisone cream
Hydrocortisone cream is eligible for HSA, FSA, and HRA reimbursement as an over-the-counter medicine.
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
The IRS considers medicines and drugs to be qualified medical expenses. Following the CARES Act of 2020, over-the-counter medicines, including hydrocortisone cream, no longer require a prescription to be eligible for reimbursement from health spending accounts.
When It Qualifies
- •The hydrocortisone cream must be used for medical care, meaning 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
- •Expenses for general health or cosmetic purposes are not eligible.
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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, specific plan administrators may have their own substantiation requirements. Always retain your receipts and check with your plan administrator for confirmation. This information is for educational purposes only and not tax or legal advice.