Mouthwash is typically not eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA). However, prescription mouthwash used to treat a specific medical or dental condition may qualify with a Letter of Medical Necessity (LMN).
Why Is Mouthwash Not FSA/HSA Eligible?
Most mouthwash products are considered personal care items intended for general oral hygiene, breath freshening, or cosmetic purposes. Because they are not used to diagnose, treat, or prevent a medical condition, they do not qualify as medical care under IRS Code Section 213(d).
According to the SIGIS Eligible Product List Criteria, over-the-counter dental care products like mouthwash, toothpaste, and floss are excluded unless prescribed for a specific therapeutic use.
What’s Not Covered?
Over-the-counter mouthwash (antiseptic or cosmetic varieties)
Whitening or breath-freshening rinses
Alcohol-free or sensitivity-formula mouthwashes
Cosmetic or preventative oral care products used for daily hygiene
Mouthwash purchased without a prescription
LMN and Exceptions
Mouthwash may qualify for reimbursement in rare cases if prescribed by a dentist or physician to treat a diagnosed medical or dental condition, such as:
Gingivitis or periodontal disease
Oral infections following dental surgery
Post-radiation oral care (in cancer treatment)
To pursue reimbursement for prescribed mouthwash:
Obtain a diagnosis and Letter of Medical Necessity (LMN) from your dentist or physician.
Submit the LMN to your FSA/HSA administrator for pre-approval.
Purchase the prescribed mouthwash at a pharmacy using your FSA/HSA card, or pay out of pocket and request reimbursement with documentation.
Keep all receipts and paperwork for verification.
Over-the-counter and cosmetic mouthwash products remain ineligible for reimbursement.
