OTC Now OK Without RX

OTC expenses have required a prescription to be eligible under FSAs, HSAs and HRAs since 2011 per the Patient Protection and Affordable Care.  The CARES Act passed last week in response to the COVID-19 crisis permanently removed this requirement, so prescriptions are no longer required.  It also expanded the definition of eligible expenses to include menstrual care products.

We’ll also have this page updated with all of the COVID-19 developments as they pertain to your benefits.  If you have questions or concerns you can give our Account Specialists a call at 
303-369-7886 or info@24hourflex.com, and we’ll be happy to assist you!

  • -Over the counter expenses are eligible medical expenses for reimbursement in FSAs, HSAs and HRAs*.
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  • -Prescriptions are no longer required.
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  • -Menstrual care products are eligible medical expenses.
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  • -This change applies to any expenses incurred 1/1/2020 and forward, regardless of plan year.
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  • -These changes take effect immediately, so you can file claims for reimbursement right away.

*depending on HRA plan design!

 

 

Debit Card Notes:

  • Debit cards will not work right away on OTC items.
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  • Debit card systems are working as quickly as possible to update the eligible expense coding for OTC items.  Merchants will also be working to update their inventory coding.  This may take a couple months to roll out, so your experience may vary.
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  • If you pay for an OTC item out of pocket, you can submit a claim for reimbursement right away via our mobile app or online portal.