Over-the-Counter (OTC) Medical Care Items
Eligible and Ineligible for Reimbursement
Under UnitedHealthcare Plans

Many non-prescription, over-the-counter (OTC) drugs, medicines and medical care items are considered eligible for reimbursement under health care Flexible Spending Accounts (FSA) and Definity / iPlan Health Reimbursement Accounts (HRA). OTC drugs and items generally fall into one of the following three categories:
  1. Those eligible for reimbursement because they are used primarily for medical care.
  2. Those ineligible for reimbursement because they are merely beneficial for general health.
  3. Those eligible for reimbursement with a letter from the attending physician. The letter must cite the specific medical condition being treated and indicate that the OTC drug or medication will treat or alleviate it.
Please note that the following are representative lists. They do not include all available OTC drugs and medical care items, and the lists are subject to change. Also, individual employers choose whether to provide OTC coverage under their benefit plan. To determine whether OTC drugs and medications are covered under your FSA or Definity / iPlan HRA, please consult your employer?s benefit plan description, or call your customer service representative.

Eligible for Reimbursement*

Product Type

Examples include, but are not limited to:

Acne Medications - pill, liquid, cream, ointment, medicated soaps and cleansing pads

Clean & Clear, Clearasil, Loma Lux Acne, Nature's Cure

Allergy Medicines - pill, liquid, nasal spray (see also "Eye Drops")

Benadryl, Chlor-Trimeton, Claritin, Drixoral, NasalCrom, Tavist Allergy

Antacids (anti-gas, lactose intolerance) - liquids, pills, tablets

Alka-Seltzer, Beano, Gas-X, Lactaid, Maalox, Mylanta, Pepcid, Pepto-Bismol, Phazyme, Rolaids, Tums

Antibiotic creams/ointments

Bacitracin, Neosporin, Polysporin

Antidiarrheal - liquids, pills

Imodium, Kaopectate, Pepto-Bismol

Anti-Fungal Creams & Powders

Aftate, Cruex, Lamisil, Lotrimin, Micatin, Tinactin

Anti-Itch Creams (allergy and poison ivy)

Benadryl, Cortaid, Ivarest, Lanacort

Baby Care Products

Diaper rash cream/ointment, rehydration liquids (Pedialyte, PediaSure), teething gel

Braces and supports

Braces and supports for neck, wrist, ankle, elbow, knee, etc.; support stockings

Canker and Cold Sore Remedies

Abreva, Anbesol, Cankaid, Carmex, Kank-A

Cold and Flu Medicines

Cough & sore throat lozenges/drops, cough syrup, decongestants, homeopathic cold medicines, nasal sprays, vapor rubs

Contraceptives/Family Planning

Condoms, contraceptive creams, pregnancy tests, ovulation predictor kits

Diabetic Supplies/Equipment

Alcohol swabs; blood glucose control solutions, monitors, strips and products; lancets and lancet devices, urine testing products

Ear Drops (ear wax removal)

Auro Ear Drops, Debrox Ear Drops, Murine Ear Drops

Eye Care Products

Saline and cleaning solutions, eyeglasses, contact lenses

Eye Drops/Eye Wash Products

Eye wash products to clean out eye or remove foreign objects, Murine, Visine

Feminine Yeast Infection Medicine

Gyne-Lotrimin, Monistat

First Aid

Bandages, dressings, first aid kits, peroxide, rubbing alcohol

Hemorrhoidal Preparations

Preparation H, Tucks

Home Diagnostic Tests or Kits

Cholesterol, colorectal, drug, HIV, ovulation predictor, pregnancy and urine tests; thermometers (ear or standard)

Hot/Cold Packs

ThermaCare

Laxatives (laxatives and fiber therapy)

Citrucel, Dulcolax, Ex-Lax, FiberCon, Fleet, Metamucil, Milk of Magnesia, Peri-Colace

Lice Treatments

LiceFree, Nix, Pronto, Rid

Motion Sickness Medicine

Bonine, Dramamine, motion sickness wristbands

Pain Relievers

Acetaminophen, Advil, Aleve, Anbesol, Aspercreme, aspirin, Ben-Gay, Excedrin, homeopathic pain relievers, ibuprofen, Icy Hot, Midol, Mineral Ice, Motrin, naproxen sodium, pain relieving gels, Tylenol

Pain Relievers ? Urinary Tract

Cystex, Uristat

Smoking Cessation Medicine - patches and gum

Nicoderm, Nicorette, Nicotrol, Novartis

Wart or Corn Removers - liquid or pads

Compound W, Curad, Dr. Scholl's Corn Remover, Wart-Off

*OTC drugs and medical items are not covered under all plans. This list provides examples of available drugs and items; however, it is subject to change. For more information, consult your benefit plan or contact Customer Service.

Considered Eligible for Reimbursement
When Directed in Writing By a Physician
to Treat a Specific Medical Condition*

The physician's letter must cite the specific medical condition being treated and indicate that the OTC drug or medication will treat or alleviate it.

Product Type

Examples include, but are not limited to:

Herbs

Black cohosh, echinacea, evening primrose oil, ginkgo biloba, Ginsana, ginseng, goldenseal root, nettle, olive leaf extract, saw palmetto, St. John's wort

Other Supplements

Acidophilus, alpha lipoic acid, amino acids (L-Lysine, L-Arginine, L-Carnitine), chondroitin sulfate, cod liver oil, DHA, DHEA, EFO, flax seed oil, glucosamine complex, glucosamine sulfate, kelp, melatonin, omega-3, shark cartilage

Sleep Induction Medicine

Simply Sleep, Sleepinal, Sominex, Unisom

Vitamins and Minerals

Antioxidants, calcium, chromium, folic acid, iron, magnesium, multi-minerals, multi-vitamins, potassium, selenium, vitamins

Water Retention Products

Aqua-Ban, Diurex

Weight Loss Products

Pills

*OTC drugs and medical items are not covered under all plans. This list provides examples of available drugs and items; however, it is subject to change. For more information, consult your benefit plan or contact Customer Service.

Not Eligible for Reimbursement*

Product Type

Examples include, but are not limited to:

Bath Products, Cleansers, Soap

Aveeno, Dial, Dove, Softsoap

Creams, Lip Balm, Lipstick, Lotions, Moisturizers

Basis, Biore, Eucerin, L'Oreal, Neutrogena, Nivea, Noxzema, Oil of Olay, PHisoderm

Dental - Miscellaneous

Breath fresheners; dental floss, adhesives, cleansers, gel, gum, rinses; oral cleaning systems (Water Pik); tongue scrapers; whitening products/systems; toothbrushes; toothpaste

Deodorants/Anti-Perspirants

Ban, Brut, Dry Idea, Speed Stick

Feminine Hygiene

Always, douches, feminine lubricants and pads, tampons

Foot Care Products

Arch and insole supports, Dr. Scholl's callus removers, Odor-Eaters, pedicure products, shoes, toenail clippers

Hair Care Products

Conditioner and shampoo (including those used for dandruff), hairspray, styling aids

Hair Removal Products

Hair-removal creams, razors, wax

Medicine Dispensers

Medicine droppers, pill organizers

Powders

Non-fungus fighting foot powders

Shaving and Grooming Products

Aftershave, razors, shaving cream

Snoring Aids

Nose drops and strips

Stimulants (to stay awake)

No Doz, Vivarin

Sunscreen, Sunless Tanning, After Sun Products

Coppertone, Hawaiian Tropic

*OTC drugs and medical items are not covered under all plans. This list provides examples of available drugs and items; however, it is subject to change. For more information, consult your benefit plan or contact Customer Service.