Mosquito repellent
Mosquito repellent may be eligible for HSA, FSA, and HRA reimbursement if a medical professional determines it is medically necessary to prevent a specific disease or treat a medical condition, and provides a Letter of Medical Necessity.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
A written statement from a medical professional (e.g., doctor) confirming that the mosquito repellent is medically necessary to prevent a specific disease or treat a specific medical condition.
The repellent must be used to prevent a specific insect-borne disease (e.g., Zika, West Nile Virus) due to a medical risk, or to mitigate a specific medical condition (e.g., severe allergic reaction to insect bites).
Quick Reference
The IRS defines medical expenses as amounts paid for the diagnosis, cure, mitigation, treatment, or prevention of disease. While mosquito repellent helps prevent insect bites, which can transmit diseases, it is generally considered a general health item. To be eligible, it must be specifically recommended by a medical professional to mitigate or prevent a specific disease or condition, rather than for general protection or comfort.
When It Qualifies
- •Requires a Letter of Medical Necessity (LMN) from a doctor stating it is medically necessary.
- •Must be used to prevent a specific insect-borne disease due to a medical risk, or to mitigate a specific medical condition (e.g., severe allergic reaction to insect bites).
When It Doesn't
- •Not eligible for general use or comfort without a medical necessity.
- •Not considered an over-the-counter medicine or drug under the CARES Act for automatic eligibility.
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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
Eligibility can vary based on your specific plan administrator's interpretation of IRS guidelines. Always retain detailed receipts and the Letter of Medical Necessity for your records. This information is for educational purposes only and not tax or legal advice.