OVER-THE-COUNTER MEDICATIONS
You may submit claims for reimbursement of Over-the-Counter drugs from your Cafeteria Plan Medical Expense Account.
A receipt clearly indicating the date of purchase and type/name of the Over-the-Counter (OTC) drug purchased must accompany claims.
Specifically excluded in the listing of eligible Over-the-Counter drugs are those which are merely beneficial to an individual’s health (vitamins, dietary supplements, etc.). When submitted for reimbursement, ABC will make the determination as to whether the specific item is reimbursable.
While we cannot provide an all-encompassing list of reimbursable medications, the information below should provide some clarity regarding what is reimbursable, what is reimbursable with a medical necessity letter and items that are excluded.
When determining what is eligible, ask yourself...
Would I use this item if I didn't have the medical condition?
If your answer is "Yes, I would be using the item even without the medical condition" (i.e. toothbrush, toothpaste), then the item is not eligible for reimbursement. However if I would not be using the item except for the medical condition, it may be an eligible expense.
What kind of documentation do I need to submit?
Receipts for Over-the-Counter medications and supplies should contain the name of the item, the date of purchase, and the total amount of the purchase. The receipt need not include the name of the person incurring the expense. If a receipt does not include the name of the drug, you must submit additional third-party substantiation (for example, a box top that includes the name and a price tag matching the price on the receipt).
The following is a list of Over-the-Counter medications and expenses which may or may not be eligible for reimbursement through ABC's Section 125 Cafeteria Plan Medical Expense account.
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Aspirin
Allergy Medications
Antacids
Anti-Diarrhea Medications
Anti-Itch Cream
Bactine
Bandages
Band-Aids
Blood Sugar Test Kits and Test Strips
Blood Pressure Monitoring Devices
Insect Bite Medication
Calamine Lotion
Carpal Tunnel Wrist Supports
Cold / Hot Packs for Injuries
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Cold Medicines
Condoms
Contact Lens Solution & Cleaners
Cough Drops
Crutches
Decongestants
Dentures & Denture Adhesives
Diabetic Supplies
Diaper Rash Ointments & Creams
First Aid Cream
First Aid Kits
Gauze Pads
Hemorrhoid Cream
Incontinence Supplies
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Laxatives
Liquid Adhesive for Cuts
Menstrual Relief Products
Motion Sickness Pills
Muscle & Joint Pain Products
Nasal Sprays
Nasal Strips
Nicotine Gum or Patches
OTC Shipping Charges Sales Tax
Pain Relievers
Pedialyte
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Pregnancy Test Kits
Prenatal Vitamins
Reading Glasses
Rubbing Alcohol
Sinus Medications
Spermicidal Foam
Sunburn Remedies
Suppositories
Thermometers
Throat Lozenges
Toothache & Teething Pain Relievers
Visine & Other Eye Products
Wart Removal Treatments
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| Items Needing a Letter Showing Medical Necessity |
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Acne Treatments
Dietary Supplements
Ear Plugs
Exercise Equipment & Programs
Fiber Supplements
Glucosamine / Chondroitin
Health Club Dues
Herbal Supplements
Hormone Therapies
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Lactose Intolerance Pills
Medicated Shampoo
Nasal Sprays for Snoring
Orthopedic Shoes & Inserts
Retin-A
Sleeping Aids
St. John's Wort
Sunscreen
Weight Loss Supplements
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Chap stick
Cosmetics
Cosmetic Procedures
Deodorants
Face Creams
Feminine Hygiene Products
Illegal Drugs under U.S. Law
Imported Medications if not FDA approved
Moisturizers
Non-Medicated Shampoos
Non-Medicated Soaps
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Suntan Lotions
Toothbrushes (electric or manual)
Toothpaste
Vitamins (for general well being)
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corp@associatedbenefits.com with
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Copyright © 2008 Associated Benefits Corporation
Last modified:
September 8, 2008
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