Is Zicam HSA eligible?

Yes, Zicam is generally eligible for HSA (Health Savings Account) reimbursement. Zicam, as an over-the-counter (OTC) medicine used to treat cold symptoms, is eligible for HSA, FSA, and HRA reimbursement.

Is Zicam FSA eligible?

Yes, Zicam is generally eligible for FSA (Flexible Spending Account) reimbursement. Zicam, as an over-the-counter (OTC) medicine used to treat cold symptoms, is eligible for HSA, FSA, and HRA reimbursement.

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

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

Zicam

Zicam, as an over-the-counter (OTC) medicine used to treat cold symptoms, 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	Notes
HSA	Eligible	Health Savings Account
FSA	Eligible	Flexible Spending Account
HRA	Eligible	Health Reimbursement Arrangement

Quick Reference

The IRS considers medicines and drugs purchased for medical care to be qualified medical expenses. Following the CARES Act of 2020, over-the-counter medicines, including cold remedies like Zicam, no longer require a prescription to be eligible for reimbursement from health spending accounts. This means you can use your HSA, FSA, or HRA funds to pay for Zicam.

When It Qualifies

•The product must be used for medical care, meaning it is intended to alleviate or treat a medical condition (e.g., cold symptoms).
•It must not be for general health, cosmetic purposes, or a dietary supplement unless prescribed for a specific medical condition.

When It Doesn't

•Products used for general health or cosmetic purposes are not eligible.
•Dietary supplements are generally not eligible unless prescribed by a medical professional 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 Zicam is generally eligible, always check with your specific plan administrator as individual plan rules can vary. Keep all receipts and documentation for your records. This information is for educational purposes only and not tax or legal advice.