The CARES Act and
your HSA, FSA, and HRAThe Cares Act and your HSA, FSA, and HRA

You can now use your HSA, FSA, or HRA for certain over-the-counter medications without a prescription.

Qualifying items:

• Common over-the counter medications like pain relievers, such as aspirin or ibuprofen, and cold and flu medications.

• For the first time, menstrual care products are considered qualifying medical expenses.

• Lodging, disposable masks, and hand sanitizer are considered qualifying medical expenses only with a prescription or letter of medical necessity from a doctor.

          Click here to see what qualifies.

The change to over-the-counter medications applies to products you purchased any time after Jan. 1, 2020. Retailers will need to update their systems to recognize these products as qualified medical expenses, so you may experience some inconsistencies when purchasing items. Save your receipts so you can be reimbursed for eligible out-of-pocket expenses.

• You may use telehealth services without impacting your eligibility for an HSA. Whether telehealth services are covered before reaching the deductible is up to employers, so check your plan documents. You can also choose to purchase telehealth services outside of your high-deductible health plan without impacting your eligibility for an HSA.

• You may use your HSA to pay for qualified medical expenses obtained during the telehealth appointment. This includes COVID-19-related testing or treatment.

• The changes to telehealth services apply through Dec. 31, 2021.