Yes, Zyrtec is eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is Zyrtec FSA/HSA Eligible?
Zyrtec qualifies for reimbursement under Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) because it is an over-the-counter (OTC) medication specifically formulated to alleviate allergy symptoms. According to IRS guidelines, products that treat or manage a diagnosed medical condition, such as allergies, are considered eligible medical expenses.
As an antihistamine, Zyrtec addresses symptoms caused by allergies, including sneezing, runny nose, itchy or watery eyes, and hives. Its active ingredient, cetirizine, works to block the body's histamine response, which is responsible for these symptoms. Because Zyrtec is designed for the treatment of specific medical conditions rather than for general wellness, it meets the requirements set by IRS Code Section 213(d).
Additionally, Zyrtec is recognized as a critical tool for managing both seasonal and year-round allergies, making it an essential expense for many individuals seeking relief. Its eligibility under FSA/HSA guidelines reflects its role in improving quality of life for those with allergic conditions.
How to Purchase Zyrtec With an FSA/HSA
Since Zyrtec is FSA/HSA eligible, you can quickly shop from the buyFSA.com digital store or Mobile App. You can use a Health Savings Account (HSA) or a Flexible Spending Account (FSA) for these purchases.
Online or in the app, browse for your preferred Zyrtec product in the quantity you need. From the product page, click add to cart. Add your desired products or click checkout to complete the purchase. Fill in your information on the checkout screen, including your FSA or HSA card data. When you click the submit order button, the transaction will deduct the amount from your FSA or HSA.
If you have difficulty buying with your FSA/HSA card, you may also use an alternative to pay out of pocket, such as PayPal or a personal credit card. When paying out of pocket, you can request a reimbursement from your FSA/HSA provider later when you provide the receipt information. To submit a successful reimbursement claim, ensure your receipts have the following information.
Name of the provider
Date of purchase/service rendered (note that for services, they must be rendered within the plan year for FSAs)
Description of items/services rendered
Itemized list of products purchased with UPCs (if buying items at a retailer that doesn’t accept FSA cards or if using a regular credit card)
Total amount of purchase
What Other Allergy Medications Are FSA/HSA Eligible?
Along with Zyrtec, various other allergy medicines are also eligible for reimbursement with an FSA or HSA. These include popular brands like:
Allegra (fexofenadine): Non-drowsy antihistamine for relief of seasonal allergy symptoms.
Benadryl (diphenhydramine): Antihistamine for relief of allergy and cold symptoms, but may cause drowsiness.
Claritin (loratadine): Non-drowsy antihistamine for relief of indoor and outdoor allergy symptoms.
Xyzal (levocetirizine): Non-drowsy antihistamine for relief of allergy symptoms.
Nasacort (triamcinolone): Nasal spray for relief of nasal allergy symptoms.
Flonase (fluticasone): Nasal spray for relief of nasal allergy symptoms.
This is not an exhaustive list, and other allergy medications may also be eligible. It is always recommended to check with your FSA/HSA provider or consult the IRS guidelines for the most up-to-date information on eligible medical expenses.
