Yes, anti-itch cream or lotion is eligible for purchase with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is Anti-Itch Cream or Lotion FSA/HSA Eligible?
Anti-itch creams and lotions are used to relieve itching caused by medical conditions such as eczema, allergic reactions, bug bites, poison ivy, hives, and rashes. According to IRS Code Section 213(d), expenses for products that treat or alleviate a specific medical condition are considered qualified medical expenses.
Under the CARES Act of 2020, over-the-counter (OTC) anti-itch medications are FSA- and HSA-eligible without requiring a prescription. These typically include topical treatments containing ingredients like:
Hydrocortisone (e.g., Cortizone-10®)
Diphenhydramine (e.g., Benadryl® cream)
Calamine
Pramoxine
Menthol or camphor (when part of a medicated formula)
These products are used to manage inflammation, irritation, and allergic reactions and qualify as medical treatments rather than cosmetic or general skincare.
What’s Not Covered?
Moisturizers or skincare products that market “itch relief” as a secondary benefit, without treating a specific condition, are not always eligible. Lotions that are cosmetic in nature or sold as general-purpose moisturizers typically do not qualify unless they include a primary active ingredient approved for medical treatment (like hydrocortisone) and are clearly labeled for that purpose.
Additionally, natural or herbal products without an FDA-recognized active ingredient or treatment claim may be considered non-eligible unless prescribed and accompanied by a Letter of Medical Necessity (LMN).
How to Buy Anti-Itch Cream or Lotion with Your FSA or HSA
You can purchase anti-itch creams and lotions directly at buyFSA.com using your FSA or HSA card. Every item listed on buyFSA.com is FSA- and HSA-eligible, so there’s no guesswork or reimbursement hassle.
If purchasing elsewhere:
Use your FSA or HSA card at checkout (in-store or online)
Look for products clearly labeled as “FSA/HSA eligible”
Make sure the product is intended to treat a specific condition, not for cosmetic or general skincare use
Save your receipt in case your plan administrator requests supporting documentation
