No, LACTAID is not eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is LACTAID Not FSA/HSA Eligible?
LACTAID is not FSA/HSA eligible because it is considered a dual-purpose product, primarily categorized as a dietary supplement rather than a medical expense. According to IRS Code Section 213(d) and SIGIS guidelines, only products used exclusively to treat, diagnose, or prevent a specific medical condition qualify for reimbursement without additional documentation.
While LACTAID aids in managing lactose intolerance, it is not prescribed as a standalone treatment by healthcare providers and is marketed as a supplement to support digestion. Dual-purpose items typically require a letter of medical necessity from a healthcare provider to qualify for FSA/HSA reimbursement, and without this documentation, LACTAID is not considered an eligible expense.
Are Any Supplements Similar to LACTAID FSA/HSA Eligible?
Some supplements similar to LACTAID may be FSA/HSA eligible if they meet specific criteria. For example:
Probiotics: Certain probiotics prescribed to manage digestive disorders or conditions like irritable bowel syndrome (IBS) may qualify, provided they are accompanied by a letter of medical necessity.
Digestive Enzymes: Enzyme supplements used to treat specific medical conditions diagnosed by a healthcare provider may also be reimbursable with proper documentation.
Prescription-Only Supplements: Products explicitly prescribed by a healthcare provider to manage diagnosed medical conditions.
As with all supplements, eligibility depends on their intended use and the accompanying documentation. Always consult with your FSA/HSA provider and obtain a letter of medical necessity when required.
