Yes, diaper rash cream and ointment are eligible for purchase with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is Diaper Rash Cream & Ointment FSA/HSA Eligible?
Diaper rash treatments are considered eligible medical expenses under IRS Code Section 213(d) because they are used to treat and alleviate a diagnosed condition—namely, diaper rash (irritant contact dermatitis). These products help soothe inflammation, reduce redness, and protect the skin from further irritation caused by moisture, friction, and bacteria.
Over-the-counter (OTC) diaper rash creams and ointments became FSA- and HSA-eligible without a prescription following the CARES Act of 2020. As long as the product is marketed to treat or prevent diaper rash, it qualifies.
FSA- and HSA-eligible diaper rash treatments include:
Zinc oxide creams and ointments (e.g., Desitin®, Boudreaux's Butt Paste®, A+D®)
Petroleum-based protectants
Natural or sensitive-skin formulations specifically labeled for diaper rash treatment or prevention
Diaper rash sticks or balms
These products are commonly recommended by pediatricians and are safe for regular use to treat an ongoing medical condition in infants and toddlers.
What’s Not Covered?
General-purpose moisturizers, lotions, or baby skincare products not labeled for diaper rash treatment or prevention are not eligible. Products marketed solely for cosmetic purposes or general skin conditioning do not meet eligibility requirements.
Diapering accessories such as wipes, creams with cosmetic claims, or scented lotions may also be excluded unless bundled with a medically necessary treatment product.
How to Buy Diaper Rash Cream & Ointment with Your FSA or HSA
You can purchase diaper rash cream and ointment 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 specifically labeled for diaper rash treatment or prevention
Save your receipt in case your plan administrator requests documentation
Avoid skincare items without a clear medical purpose
