Is Loratadine HSA eligible?

Yes, Loratadine is generally eligible for HSA (Health Savings Account) reimbursement. Loratadine is eligible for HSA, FSA, and HRA reimbursement as it is an over-the-counter medicine used for medical care.

Is Loratadine FSA eligible?

Yes, Loratadine is generally eligible for FSA (Flexible Spending Account) reimbursement. Loratadine is eligible for HSA, FSA, and HRA reimbursement as it is an over-the-counter medicine used for medical care.

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

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

Loratadine

Loratadine is eligible for HSA, FSA, and HRA reimbursement as it is an over-the-counter medicine used for medical care.

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

The IRS considers amounts paid for medicines and drugs to be qualified medical expenses. Following the CARES Act, over-the-counter (OTC) medicines and drugs, including Loratadine, no longer require a prescription to be eligible for reimbursement from HSA, FSA, and HRA accounts. This means you can use your funds for these items without needing a doctor's note.

When It Qualifies

•The expense must be for medical care, which includes the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body.
•The product must be purchased for the account holder, their spouse, or a qualified dependent.

When It Doesn't

•Expenses for general health or cosmetic purposes are not eligible.
•Items that are merely beneficial to general health, such as vitamins taken for general well-being, are typically not eligible unless prescribed to treat a specific medical condition.

Similar Items

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 the IRS determines general eligibility, specific plan administrators may have their own rules or require additional documentation. Always keep detailed records and receipts for all purchases. This information is for educational purposes only and not tax or legal advice.