Conditioner is typically not eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA). However, medicated conditioners prescribed by a physician to treat a diagnosed scalp or skin condition may qualify with a Letter of Medical Necessity (LMN).
Why Is Conditioner Not FSA/HSA Eligible?
Most conditioners are considered personal care or cosmetic products used to maintain or improve the appearance and texture of hair. Because they are not used to diagnose, treat, or prevent a specific medical condition, they do not meet the definition of medical care under IRS Code Section 213(d).
According to the SIGIS Eligible Product List Criteria, personal grooming items such as shampoos, conditioners, and styling products are excluded from FSA/HSA eligibility unless they contain an active medical ingredient and are prescribed to treat a medical condition.
What’s Not Covered?
Over-the-counter or salon conditioners used for moisture or shine
Cosmetic or beauty hair masks and treatments
Herbal or organic conditioners without active medicinal ingredients
Leave-in conditioners or detanglers used for general hair health
Any haircare products purchased for aesthetic or comfort reasons
LMN and Exceptions
Certain medicated conditioners may qualify for reimbursement when prescribed for a diagnosed skin or scalp condition, such as:
Seborrheic dermatitis or eczema of the scalp
Psoriasis or fungal infections
Allergic contact dermatitis due to skin irritation
Eligible formulations must include an active medical ingredient, such as:
Ketoconazole
Corticosteroids
Coal tar
Selenium sulfide
To pursue reimbursement:
Obtain a diagnosis and Letter of Medical Necessity (LMN) from your physician specifying the product and medical condition being treated.
Submit the LMN and itemized receipt to your FSA/HSA administrator for review.
Keep all supporting documentation, including prescription and physician notes, for your records.
Only prescription or medicated conditioners used for the treatment of a medical condition may qualify. Standard or cosmetic conditioners remain ineligible.
