Over-the-Counter Product Categories

Health care spending accounts allow some over-the-counter OTC drugs to be counted as eligible expenses.

Allowable OTC Product Categories

• Acne medications and creams
• Anti-gas
• Anti-itch
• Antidiarrheals
• Asthma/wheezing/shortness of breath
• Athlete's foot/antifungal
• Allergy/sinus/nasal decongestant
• Corn, callous removal
• Cough/cold/fever reducer/loosen phlegm
• Dandruff/seborrhea/psoriasis medications
• Ear problems/ear drying/swimmer's ear
• Ear wax
• Eye problems
• Female contraceptives & spermicidal products/condoms
• Fever blister medication
• First aid (antimicrobials, antibiotics, antiseptics, etc.)
• Head lice treatments
• Heartburn or indigestion
• Hemorrhoid
• Jock itch/antifungal
• Laxative/stool softeners
• Menstrual pain
• Mouth pain
• Muscle aches or joint pain
• Nausea, vomiting, or motion sickness
• Pain relief
• Pedialyte
• Poison treatments
• Rashes (poison ivy/oak/sumac)
• Stop smoking nicotine gum or patches
• Vaginal products
• Wart removers
• Weight loss programs (with obesity or medical diagnosis)

Unallowable OTC Product Categories

• Baldness/hair regrowth
• Baby formula and foods
• Cigarettes, pipes, or tobacco products
• Cosmetics, makeup and beauty products
• Dietary supplements (botanicals/herbals, combination products, minerals, vitamins, etc.)
• Deodorant/antiperspirant products
• Diaper rash medications
• Diapers and wipes
• Feminine hygiene products
• First aid supplies not considered drugs (bandages gauze, rubbing alcohol, pregnancy test kits, etc.)
• Mouthwashes/rinses
• Shampoos, hair dyes
• Skin bleaching
• Soap
• Sundries and toiletries
• Sunscreens
• Teeth whitening kits
• Toothpaste/dental floss