Can you use your HSA for Flonase?
Asked by: Miguel Moen V | Last update: September 14, 2025Score: 4.6/5 (4 votes)
Can I use my HSA card for nasal spray?
Nasal sprays are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Nasal sprays are not eligible with a dependent care flexible spending account (DCFSA) or a limited-purpose flexible spending account (LPFSA).
Can I use my HSA card for allergy medicine?
Until recently, OTC medications only qualified for reimbursement with a note or prescription from a doctor. The March 2020 CARES Act removed this requirement. Now, HSA and FSA cards can be used to buy non-prescription allergy medications and other OTC drugs without a prescription.
Why is Flonase not covered by insurance?
Since Flonase is now available over-the-counter (OTC), insurance plans may not pay for the prescription brand name product, and your costs could be significantly higher than the OTC Flonase. However, if you have a health savings account (HSA), you can probably use funds from that to pay for OTC medicines.
Is nasal decongestant HSA-eligible?
Decongestants are over-the-counter (OTC) medicines eligible for reimbursement through a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).
FLONASE® Allergy Relief How To Use
Does HSA cover Flonase?
Patient FSA / HSA Eligible Product
Resulting from the CARES Act recently passed by congress, you can now use your FSA and HSA tax-preferred savings account to purchase certain OTC products such as Flonase, Nicorette, Nicoderm, Advil, Voltaren, and Denture Care Products.
Is the Apple Watch HSA-eligible?
Why other fitness trackers don't qualify. Even though Fitbits and Apple Watches measure important health data, they currently do not qualify for HSA reimbursement, as they are considered for general health use and not intended to treat or manage a specific medical condition.
How much does Flonase cost without insurance?
Without insurance, the average retail price for one bottle (60 sprays) of over-the-counter (OTC), brand-name Flonase Sensimist Allergy Relief is $22.35. With a GoodRx coupon, you may be able to pay as low as $28.35. OTC brand-name Flonase Allergy Relief (60 sprays) may cost $16.92 without insurance.
Is it bad to take Flonase every day?
Unlike some decongestant nasal sprays, which cannot be used for more than 3 days, FLONASE Allergy Relief can be used every day and provides sustained 24-hour symptom relief.
Is there a difference between prescription Flonase and OTC Flonase?
Both non-prescription and prescription Flonase contain the same strength of medicine. You should use OTC Flonase per the package instructions. Your doctor may advise you to use a higher or lower dose of prescription Flonase once or twice a day. Follow your doctor's instructions carefully.
What can you not pay with HSA?
Generally, you can't use your HSA to pay for expenses that don't meaningfully promote the proper function of the body or prevent or treat illness or disease. Nutritional supplements and weight loss programs not prescribed by a physician are examples of expenses that would not be covered by your HSA.
How do I know if something is HSA eligible?
- Abortion.
- Acne laser treatment.
- Acupuncture.
- Ambulance fees and emergency care.
- Artificial limbs.
- Birth control pills, injections, and devices, such as IUDs.
- Blood pressure monitors.
- Body scans.
Are tampons HSA eligible?
With the passage of the CARES Act in March 2020, tampons and other menstrual care products are now fully FSA-/HSA-eligible. According to the text of the bill, menstrual care products include, “tampon, pad, liner, cup, sponge, or similar product used by individuals with respect to menstruation…”
Can I use HSA for gym membership?
Gym memberships. While some companies and private insurers may offer discounts on gym memberships, you generally can't use your FSA or HSA account to pay for gym or health club memberships. An exception to that rule would be if your doctor deems fitness medically necessary for your recovery or treatment.
Can you buy toilet paper with HSA?
Toiletries are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).
Are condoms HSA eligible?
Condoms are eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA). They are not eligible for reimbursement with dependent care flexible spending accounts and limited-purpose flexible spending accounts (LPFSA).
What is the downside of Flonase?
Common Flonase side effects include headache and sore throat. Nasal irritation or nosebleeds are also possible. Serious Flonase side effects include thrush, vision problems, and worsening asthma. Flonase may not be right for certain people, such as those with a history of eye problems.
Is it better to take Flonase at night or in the morning?
Is it better to use FLONASE at night? In short, no. One daily dose of FLONASE Allergy Relief delivers 24-hour relief from your worst allergy symptoms. So even if you take it in the morning, you're still covered for the whole night—so you can rest easy, without pesky allergy symptoms.
Can Flonase cause weight gain?
Nasal corticosteroids such as triamcinolone nasal spray (Nasacort Allergy 24HR Nasal Spray) or fluticasone nasal spray (Flonase Allergy Relief) won't cause weight gain and may be better options for hay fever or other allergy symptoms, especially if weight gain is a concern.
Is Flonase a steroid?
A patient may get a prescription for fluticasone, a common nasal steroid better known as Flonase. Their doctor may tell them, “Just take it for two weeks, and then stop,” to alleviate the patient's fears about the medication.
Will insurance cover Flonase?
Insurance plans usually cover fluticasone propionate nasal spray, but over-the-counter versions like Flonase might not be covered, affecting the out-of-pocket cost for patients.
Is there a generic OTC for Flonase?
Fluticasone (generic Flonase)
Can you use HSA to buy a treadmill?
For a treadmill to be eligible for reimbursement, it must be used to treat or prevent a specific disease, including hypertension or obesity.
Can I buy Gatorade with HSA?
You can grab a pack of ORS using your HSA or FSA funds without a prescription. However, rehydration sports drinks (think Gatorade) and electrolyte solutions containing additional additives (such as caffeine, immunity boosters, or the like) are not eligible.
What can I use my HSA for?
- Coinsurance. Coinsurance. ...
- Copayments. Copayment. ...
- Deductibles. Deductible. ...
- Qualified medical expenses (includes some dental, drug, and vision expenses) – Find an expenses list on IRS.gov.