Can You Use FSA at Walgreens? A Full Breakdown of Approved Purchases

Welcome to our comprehensive exploration of utilizing your Flexible Spending Account (FSA) (FSA at Walgreens) funds at Walgreens. As healthcare costs continue to be a significant consideration for individuals and families, understanding how to leverage tax-advantaged accounts like FSAs is crucial. Walgreens, being one of the largest and most accessible pharmacy chains in the United States, represents a convenient hub for purchasing a wide array of health and wellness products. The intersection of FSA benefits and Walgreens’ vast inventory presents a powerful opportunity for consumers to manage healthcare expenses effectively. This guide is meticulously designed to provide clarity and detailed information, ensuring you can confidently navigate your FSA-eligible purchases at Walgreens, both in-store and online. We aim to demystify the process, outline eligible product categories with extensive examples, and offer practical tips to maximize the value derived from your pre-tax FSA contributions. Whether you are a seasoned FSA user or new to the concept, this resource will serve as your definitive reference for making informed decisions about spending your healthcare dollars at Walgreens.

Understanding the Fundamentals: What is a Flexible Spending Account (FSA)?

Before delving into the specifics of Walgreens purchases, it is essential to establish a solid understanding of what a Flexible Spending Account entails. An FSA is a special account you put money into that you use to pay for certain out-of-pocket health care costs. Importantly, you do not pay taxes on this money. This means you will save an amount equal to the taxes you would have paid on the money you set aside. Offered primarily through employers as part of a benefits package, FSAs allow employees to contribute a portion of their salary before taxes are calculated.

These funds are designated specifically for qualified medical expenses that are typically not covered by primary health insurance plans. This can include deductibles, copayments, coinsurance, and costs for various medical products and services. The Internal Revenue Service (IRS) sets annual contribution limits for health FSAs. For example, the limit often adjusts yearly due to inflation, so it is vital to check the current year’s maximum contribution allowed. For 2024, the health FSA contribution limit is $3,200. If you are married, your spouse can also contribute up to the limit in their own FSA through their employer.

A key characteristic of traditional FSAs is the “use-it-or-lose-it” rule. This regulation stipulates that funds contributed to an FSA must generally be spent within the plan year. If there is money left in the account at the end of the plan year, it is forfeited back to the employer. However, employers have the option to offer one of two alternatives to mitigate this risk:

1. Grace Period: They can provide a grace period of up to 2.5 months after the end of the plan year. During this time, employees can continue to incur and claim expenses against the previous year’s FSA balance.

2. Carryover: Alternatively, employers can permit employees to carry over a certain amount of unused funds into the next plan year. The IRS sets a limit for this carryover amount, which also adjusts periodically (for plans starting in 2024, up to $640 can be carried over into 2025). Employers can offer either the grace period or the carryover option, but not both. Some may choose to offer neither.

It is crucial to understand your specific employer’s FSA plan rules regarding deadlines, grace periods, or carryover provisions to avoid forfeiting your hard-earned pre-tax dollars.

How Do You Access Your FSA Funds? Debit Cards vs. Reimbursement

There are generally two primary ways to access the funds in your FSA:

1. FSA Debit Card: Many FSA administrators provide participants with a dedicated debit card linked directly to their account. This card functions like a standard debit card but can typically only be used for FSA-eligible purchases at qualified merchants, such as Walgreens pharmacies, doctor’s offices, and online FSA retailers. When you use the FSA debit card, funds are directly withdrawn from your account to pay for the eligible expense at the point of sale. This is often the most convenient method. Walgreens’ systems are generally equipped to recognize these cards and often identify eligible items automatically during checkout.

2. Manual Reimbursement: If you do not have an FSA debit card, or if you pay for an eligible expense using personal funds (cash, credit card, personal debit card), you can submit a claim for reimbursement from your FSA. This process usually involves filling out a claim form (often available online through your FSA administrator’s portal) and providing supporting documentation, such as itemized receipts or an Explanation of Benefits (EOB) from your insurer. Once the claim is approved, the administrator will reimburse you, typically via direct deposit or check. Even if you use an FSA debit card, it is highly recommended to always keep your itemized receipts. Your FSA administrator may request documentation later to substantiate a purchase, especially if the merchant’s system cannot automatically verify the eligibility of all items purchased. Failure to provide documentation when requested could result in the charge being deemed ineligible, requiring you to repay the amount to your FSA.

Walgreens and FSA Acceptance: Your Spending Hub

We can definitively state that Walgreens accepts FSA cards for the purchase of eligible items. With thousands of locations nationwide and a robust online store, Walgreens provides exceptional accessibility for FSA users. Their point-of-sale (POS) systems are generally sophisticated and designed to streamline the process of using FSA funds.

How Walgreens Identifies FSA-Eligible Items:
Walgreens utilizes an Inventory Information Approval System (IIAS). This system is certified by the IRS and allows Walgreens to automatically identify FSA-eligible items when you check out. Products in their inventory are coded based on their eligibility status according to IRS guidelines. When you swipe your FSA debit card:

• The IIAS system scans the items being purchased.

• It identifies products coded as FSA-eligible (e.g., prescription drugs, bandages, contact lens solution).

• It automatically approves the transaction amount corresponding to those eligible items against your FSA balance.

Using Your FSA Card at Walgreens Checkout:

• In-Store: Simply present your FSA debit card at checkout like any other credit or debit card. The IIAS system should automatically isolate the eligible items and deduct their cost from your FSA balance.

• Online (Walgreens.com): When shopping online, look for items marked as “FSA Eligible.” Add these items to your cart. During the checkout process, you can typically enter your FSA debit card information as a payment method. The online system functions similarly to the in-store IIAS, processing payment only for the approved items from your FSA card.

Handling Mixed Baskets (Eligible and Non-Eligible Items):
What happens if your shopping cart contains both FSA-eligible items (like cough syrup and bandages) and non-eligible items (like cosmetics or candy)? The IIAS system is designed to handle this common scenario:

• The system will total the cost of only the FSA-eligible items.

• It will attempt to charge this specific amount to your FSA debit card.

• If the charge is approved, you will then need to provide a secondary form of payment (credit card, personal debit card, cash) to cover the cost of the non-eligible items.
  The cashier or online checkout system will guide you through this split-tender transaction.

The Unwavering Importance of Keeping Receipts:
While the IIAS technology significantly simplifies FSA transactions at Walgreens, it does not eliminate the need to retain all itemized receipts. Here is why:

• Substantiation Requests: Your FSA administrator might still randomly audit transactions or request documentation for purchases, especially those made near the beginning or end of the plan year, or for items that could potentially be considered dual-purpose (eligible for medical use but could also have general wellness uses).

• System Limitations: Occasionally, an item’s eligibility might not be perfectly coded, or system errors could occur.

• Manual Reimbursement Proof: If you pay out-of-pocket and seek reimbursement, the itemized receipt is mandatory proof.

• Returns: If you need to return an FSA-purchased item, Walgreens will require the original receipt. Their policy typically involves refunding the amount back to the original FSA card or providing store credit, depending on the circumstances and plan rules.

An itemized receipt should clearly list the date of purchase, the merchant name (Walgreens), the specific item purchased (not just “pharmacy item”), and the amount paid. Credit card slips are generally not sufficient.

A Comprehensive Dive: FSA-Eligible Categories and Products at Walgreens

This section forms the core of our guide, providing an extensive, detailed breakdown of the product categories and specific items you can typically purchase at Walgreens using your FSA funds. Remember that while this list is comprehensive, the ultimate authority on eligibility is the IRS definition of qualified medical expenses (Section 213(d) of the Internal Revenue Code) and your specific FSA plan documents.

1. Prescription Medications:
This is perhaps the most straightforward category. Funds from your FSA can be used to cover the out-of-pocket costs associated with your prescription medications, including:

• Copayments: The fixed amount you pay for a covered prescription drug after you have paid your deductible.

• Coinsurance: Your share of the costs of a covered prescription drug, calculated as a percentage (for example, 20%) of the allowed amount for the service.

• Deductibles: The amount you pay for covered health care services before your insurance plan starts to pay. If you must meet a pharmacy deductible before your insurance covers prescriptions, those initial costs are FSA-eligible.

• Full Cost: If a prescribed medication is not covered by your insurance for any reason but is medically necessary (as prescribed by a doctor), its full cost may be FSA-eligible.

Walgreens pharmacies can process your prescriptions and accept your FSA card for these costs directly. This includes medications for chronic conditions (like high blood pressure, diabetes, asthma, high cholesterol), acute illnesses (like antibiotics for infections), mental health conditions (like antidepressants), and many others.

• Specific Examples: Atorvastatin (Lipitor), Metformin (Glucophage), Albuterol inhalers (Ventolin, ProAir), Lisinopril (Prinivil, Zestril), Amlodipine (Norvasc), Levothyroxine (Synthroid), Sertraline (Zoloft), Amoxicillin, Azithromycin (Z-Pak), Fluoxetine (Prozac), Insulin vials and pens (Humalog, Lantus), birth control pills, patches, rings.

• Exclusions: Generally, medications obtained solely for cosmetic purposes (e.g., hair growth drugs like Propecia, wrinkle reducers like Retin-A used cosmetically, Latisse for eyelash growth) are not FSA-eligible unless prescribed to treat a specific medical condition. Over-the-counter drugs purchased before the CARES Act (pre-March 2020) required a prescription for FSA eligibility, but this is no longer the case for most OTCs (see next section).

2. Over-the-Counter (OTC) Medications:
Thanks to the Coronavirus Aid, Relief, and Economic Security (CARES) Act enacted in March 2020, a significant change occurred: prescriptions are no longer required for the purchase of most OTC medicines and drugs using FSA funds. This permanently reversed a previous requirement stemming from the Affordable Care Act (ACA). Walgreens offers a vast selection of FSA-eligible OTC medications.

• Pain Relief:

  • Non-Steroidal Anti-Inflammatory Drugs (NSAIDs): Ibuprofen (Advil, Motrin IB), Naproxen Sodium (Aleve). Available in tablets, caplets, liquid gels, chewables, children’s and infants’ formulas. Useful for headaches, muscle aches, arthritis pain, menstrual cramps, fever reduction.

  • Acetaminophen: Tylenol. Available in various strengths (regular, extra strength), forms (tablets, caplets, rapid release gels, liquid, suppositories, children’s/infants’ drops/suspensions). Effective for pain relief and fever reduction, often recommended when NSAIDs are unsuitable.

  • Aspirin: Bayer, Ecotrin. Regular strength, low-dose (often used for heart health under doctor supervision), buffered, coated tablets. Used for pain, fever, inflammation, and blood thinning (under medical guidance).

  • Topical Pain Relievers: Creams, gels, patches, sprays containing ingredients like menthol (Bengay, Icy Hot), capsaicin (Capzasin-HP), lidocaine (Aspercreme with Lidocaine, Salonpas Lidocaine patches), trolamine salicylate (Aspercreme), camphor, methyl salicylate. Used for localized muscle or joint pain, arthritis.

• Cold, Cough, and Flu Remedies:

  • Cough Drops and Lozenges: Medicated varieties containing menthol, pectin, benzocaine, or dextromethorphan (Halls, Ricola, Cepacol, Chloraseptic). Soothe sore throats and suppress coughs.

  • Cough Syrups: Containing expectorants like guaifenesin (Mucinex, Robitussin Chest Congestion) to thin mucus, and/or suppressants like dextromethorphan (Robitussin Cough, Delsym) to reduce the cough reflex. Available in daytime (non-drowsy) and nighttime (often containing an antihistamine like doxylamine succinate) formulas. Combination products often include pain relievers/fever reducers (acetaminophen, ibuprofen) and decongestants.

  • Decongestants: Pseudoephedrine (Sudafed – typically kept behind the pharmacy counter, requires ID), Phenylephrine (Sudafed PE, Neo-Synephrine). Available as tablets, liquids, nasal sprays (Afrin – use as directed to avoid rebound congestion). Relieve nasal and sinus congestion.

  • Antihistamines for Cold Symptoms: Often included in multi-symptom cold/flu formulas (especially nighttime versions) to relieve runny nose, sneezing, watery eyes (e.g., Chlorpheniramine, Diphenhydramine, Doxylamine Succinate).

  • Sore Throat Sprays: Containing phenol (Chloraseptic) or benzocaine to numb throat pain.

  • Nasal Saline Sprays/Washes: Non-medicated saline solutions (Ocean Nasal Spray, Simply Saline, Neti Pots with saline packets) used to moisturize nasal passages and clear congestion. Generally FSA-eligible as they treat a medical condition (congestion, dryness).

  • Vapor Rubs: Topical rubs containing camphor, menthol, eucalyptus oil (Vicks VapoRub) applied to the chest or throat to relieve cough and congestion.

• Allergy and Sinus Medications:

  • Antihistamines: Oral tablets, capsules, liquids, dissolvable tablets. Loratadine (Claritin), Cetirizine (Zyrtec), Fexofenadine (Allegra), Diphenhydramine (Benadryl), Chlorpheniramine (Chlor-Trimeton), Levocetirizine (Xyzal). Used for sneezing, runny nose, itchy/watery eyes, hives. Includes non-drowsy and drowsy options.

  • Nasal Steroid Sprays: Fluticasone Propionate (Flonase Allergy Relief), Triamcinolone Acetonide (Nasacort Allergy 24HR), Budesonide (Rhinocort Allergy Spray), Mometasone Furoate (Nasonex 24HR Allergy). Highly effective for nasal allergy symptoms like congestion, runny nose, sneezing, itching.

  • Decongestants: As mentioned in cold/flu section (Pseudoephedrine, Phenylephrine). Often combined with antihistamines (Claritin-D, Zyrtec-D, Allegra-D – behind the counter).

  • Eye Drops for Allergies: Containing antihistamines and/or mast cell stabilizers like Ketotifen Fumarate (Zaditor, Alaway), Olopatadine (Pataday). Relieve itchy, red, watery eyes due to allergies.

  • Sinus Rinse Kits and Saline Sprays: NeilMed Sinus Rinse, Neti Pots, saline sprays. Help flush out allergens and mucus from nasal passages.

• Digestive Health:

  • Antacids: Calcium carbonate (Tums, Rolaids), magnesium hydroxide (Milk of Magnesia – also a laxative), aluminum hydroxide/magnesium hydroxide combinations (Maalox, Mylanta), sodium bicarbonate (Alka-Seltzer – contains aspirin). Available as chewable tablets, liquids, effervescent tablets. Neutralize stomach acid for heartburn, indigestion relief.

  • Acid Reducers: H2 Blockers like Famotidine (Pepcid AC), Cimetidine (Tagamet HB). Proton Pump Inhibitors (PPIs) like Omeprazole (Prilosec OTC), Lansoprazole (Prevacid 24HR), Esomeprazole (Nexium 24HR). Reduce the amount of acid produced by the stomach. Used for frequent heartburn.

  • Laxatives: Bulk-forming (Metamucil, Citrucel, FiberCon), stool softeners (Colace, Dulcolax Stool Softener), osmotic laxatives (MiraLAX, Milk of Magnesia), stimulant laxatives (Dulcolax, Senokot). Used for constipation relief. Various forms: powders, capsules, liquids, suppositories, enemas.

  • Anti-Diarrheal Medications: Loperamide (Imodium A-D), Bismuth Subsalicylate (Pepto-Bismol, Kaopectate). Slow down gut movement or absorb excess fluid. Available as liquids, caplets, chewable tablets.

  • Gas Relief: Simethicone (Gas-X, Phazyme, Mylanta Gas). Breaks down gas bubbles in the digestive tract. Chewable tablets, softgels.

  • Motion Sickness Relief: Meclizine (Bonine, Dramamine Less Drowsy), Dimenhydrinate (Dramamine Original). Prevent or treat nausea, vomiting, dizziness associated with motion sickness. Tablets, chewable tablets. Acupressure wristbands (Sea-Band) are also typically FSA-eligible.

  • Hemorrhoid Treatments: Creams, ointments, suppositories, wipes containing ingredients like hydrocortisone (Preparation H Hydrocortisone), phenylephrine (Preparation H Ointment), witch hazel (Tucks pads), pramoxine (for pain relief). Reduce swelling, itching, pain.

• First Aid Supplies: This is a broad category, and Walgreens is an excellent source.

  • Bandages and Wound Dressings: Adhesive bandages (Band-Aid brand, Curad, Walgreens brand) in all shapes, sizes, materials (plastic, fabric, waterproof, sensitive skin, character bandages for kids). Sterile gauze pads and rolls (various sizes), non-stick pads (Telfa), transparent dressings (Tegaderm), surgical tape (paper, cloth, plastic, waterproof), elastic wraps (ACE bandages) for sprains/strains, liquid bandages (New-Skin), butterfly closures, blister treatment bandages (Compeed, Band-Aid Hydro Seal), eye patches.

  • Antiseptics and Cleansers: Antiseptic wipes (containing alcohol or benzalkonium chloride), hydrogen peroxide, isopropyl alcohol (rubbing alcohol), iodine solution/swabs (Betadine), antiseptic washes (Hibiclens), saline wound wash. Used to clean wounds and prevent infection.

  • Antibiotic Ointments: Triple antibiotic ointments/creams (Neosporin, Polysporin, generic versions containing bacitracin, neomycin, polymyxin B). Applied to minor cuts, scrapes, burns to prevent infection.

  • Burn Relief: Gels and sprays containing lidocaine or benzocaine for pain relief (Solarcaine), dressings specifically for burns (Water-Jel), aloe vera gel (often eligible if marketed for sunburn/burn relief).

  • Itch Relief: Hydrocortisone creams/ointments (Cortizone-10, generic), antihistamine creams/gels (Benadryl Itch Stopping Cream), calamine lotion. For insect bites, rashes, skin irritations.

  • Medical Instruments: Tweezers (for splinter removal), medical scissors, thermometers (see health monitoring).

  • First Aid Kits: Pre-assembled kits containing a variety of the above supplies. Generally FSA-eligible. Check contents for primarily medical items.

• Acne Treatments (Medicated):

  • Products containing active pharmaceutical ingredients like benzoyl peroxide (PanOxyl, Clean & Clear Persa-Gel), salicylic acid (Neutrogena Oil-Free Acne Wash, Stridex pads), sulfur, adapalene (Differin Gel – now OTC). Includes washes, creams, gels, spot treatments, medicated pads. Note: General cleansers or moisturizers without acne medication are usually not eligible.

• Sleep Aids (Medicated):

  • OTC sleep aids containing antihistamines like Diphenhydramine (Unisom SleepGels, ZzzQuil, Tylenol PM – also contains acetaminophen) or Doxylamine Succinate (Unisom SleepTabs, Kirkland Sleep Aid). Used for occasional sleeplessness. Note: Melatonin and herbal supplements are generally considered dietary supplements and are typically NOT FSA-eligible unless recommended by a doctor for a specific medical condition with an LOMN.

3. Health Monitoring and Testing Devices:
Using your FSA funds for devices that help monitor your health is a smart investment. Walgreens stocks many of these items.

• Blood Pressure Monitors:

  • Upper Arm Cuff Monitors: Automatic digital models (Omron, Walgreens brand, LifeSource). Various cuff sizes available (standard, large). Features might include memory storage for multiple users, irregular heartbeat detection, Bluetooth connectivity to sync with apps.

  • Wrist Cuff Monitors: More compact, portable options. Accuracy can sometimes be more sensitive to arm position.

  • Stethoscopes and Manual Blood Pressure Cuffs (Sphygmomanometers): While less common for home use, these are also FSA-eligible medical equipment.

• Blood Glucose Monitors and Supplies (for Diabetes Management):

  • Blood Glucose Meters: Various brands (OneTouch, Accu-Chek, Contour Next, Walgreens brand). Many offer features like small sample sizes, fast results, memory, data ports, Bluetooth. Starter kits often include the meter, lancets, lancing device, and a few test strips.

  • Blood Glucose Test Strips: Crucially, these must be compatible with your specific meter model. Sold in vials of 25, 50, or 100. A major ongoing expense for diabetics, and fully FSA-eligible.

  • Lancets and Lancing Devices: Sterile needles (lancets) used to prick the finger for a blood sample. Lancing devices hold the lancet and control puncture depth. Various gauges (thickness) of lancets available.

  • Control Solution: Used to test the accuracy of the meter and test strips.

  • Continuous Glucose Monitors (CGM): Systems like Dexcom and FreeStyle Libre, including sensors and transmitters/readers, are generally FSA-eligible if prescribed by a physician. Availability at Walgreens pharmacy may vary; often obtained through specialty suppliers or pharmacy orders. Check plan details.

  • Ketone Test Strips (Blood or Urine): For monitoring diabetic ketoacidosis (DKA). Urine strips are widely available OTC at Walgreens. Blood ketone meters/strips might also be found or ordered.

  • Alcohol Prep Pads: Used to clean the finger before testing.

  • Sharps Containers: For safe disposal of used lancets and needles. FSA-eligible.

  • Glucose Tablets/Gels: Used to treat hypoglycemia (low blood sugar). FSA-eligible.

• Thermometers: Essential for monitoring fever.

  • Digital Stick Thermometers: Oral, rectal, or underarm use. Basic, inexpensive models available.

  • Ear Thermometers (Tympanic): Quick readings from the ear canal (Braun ThermoScan). Requires disposable probe covers (also FSA-eligible).

  • Forehead Thermometers (Temporal Artery): Non-contact or gentle swipe across the forehead (Exergen). Convenient, especially for children.

  • Basal Body Thermometers: High-sensitivity thermometers used for tracking ovulation cycles. FSA-eligible.

• Pulse Oximeters:

  • Fingertip Pulse Oximeters: Measure blood oxygen saturation levels (SpO2) and pulse rate. Became widely popular during the COVID-19 pandemic for monitoring respiratory status. Many brands available at Walgreens. FSA-eligible for monitoring a medical condition.

• Cholesterol Testing Devices:

  • Home Cholesterol Test Kits: Measure total cholesterol, sometimes HDL, LDL, triglycerides. Usually involve a finger prick and test strips/cassettes analyzed by a meter or mailed to a lab. Check specific kit eligibility. Meters and corresponding test strips sold at Walgreens are often FSA-eligible.

4. Medical Supplies and Durable Medical Equipment (DME):
Walgreens offers a range of supplies and some equipment that fall under this category. Eligibility can sometimes depend on medical necessity.

• Mobility Aids:

  • Canes: Standard, quad canes, folding canes. Adjustable height options.

  • Crutches: Underarm crutches, forearm crutches. Proper fitting is important. Accessories like crutch pads and tips are also eligible.

  • Walkers: Standard walkers, rolling walkers (rollators) with wheels, seats, brakes. Baskets and other accessories may also be eligible.

  • Wheelchairs: While Walgreens might sell basic transport chairs, full wheelchairs often require specialized providers. However, if purchased at Walgreens, they could be FSA-eligible if medically necessary. Always check with your FSA administrator for large equipment purchases. Wheelchair cushions and accessories might also be eligible.

• Respiratory Aids:

  • Nebulizers: Machines that turn liquid medication into a mist for inhalation (for asthma, COPD, etc.). Requires a prescription for the machine and the medication. The machine itself and replacement parts (tubing, masks, mouthpieces) are FSA-eligible. Walgreens pharmacy can often supply these.

  • CPAP Machines and Supplies: For Sleep Apnea. While the machine itself is often obtained through DME suppliers via insurance, replacement supplies like masks, cushions, headgear, tubing, filters, and CPAP cleaning supplies/wipes available at Walgreens (or ordered through their pharmacy) are generally FSA-eligible. Check plan specifics, sometimes requires prescription documentation. Humidifier chambers for CPAP machines are also typically eligible.

  • Peak Flow Meters: Handheld devices used by people with asthma to measure lung function. FSA-eligible.

  • Portable Oxygen: Canned recreational oxygen is generally not eligible. Prescription oxygen concentrators and tanks are medical equipment, usually handled by specialized suppliers, but related supplies might be found and eligible.

• Supports, Braces, and Wraps:

  • Elastic Bandages (ACE Wraps): As mentioned in first aid.

  • Athletic Tape: For supporting joints.

  • Kinesiology Tape (KT Tape): Elastic therapeutic tape.

  • Wrist Braces/Supports: For carpal tunnel syndrome, sprains, arthritis. With or without metal stays.

  • Ankle Braces/Supports: Lace-up, strap-on, sleeve types for sprains, instability.

  • Knee Braces/Supports: Sleeves, hinged braces, patella straps for various knee conditions, arthritis, post-injury support.

  • Back Braces/Supports: Lumbar supports, sacroiliac belts for lower back pain.

  • Elbow Straps/Supports: For tennis elbow, golfer’s elbow.

  • Neck Braces (Cervical Collars): Soft collars for neck strain (often needs recommendation).

  • Shoulder Immobilizers/Slings: For shoulder injuries.

  • Thumb Spica Splints: For thumb injuries.

• Compression Hosiery:

  • Medical Grade Compression Socks and Stockings: Graduated compression (e.g., 15-20 mmHg, 20-30 mmHg, 30-40 mmHg) used for varicose veins, swelling (edema), preventing blood clots (DVT), post-surgery recovery, circulation issues. Available in knee-high, thigh-high, pantyhose styles. These are FSA-eligible. Note: Basic non-medical support socks with low compression may not be eligible. Look for the mmHg rating. Stocking donner/application aids are also often eligible.

• Hot and Cold Therapy:

  • Heating Pads: Electric heating pads, microwavable heat packs (filled with gel, rice, beads). Used for muscle pain, cramps. Moist heat options available.

  • Cold Packs: Reusable gel packs, instant chemical cold packs, ice bags. Used for injuries, swelling, inflammation.

  • Combination Hot/Cold Wraps: Designed to hold gel packs for specific body parts (knee, back).

• Medical Identification:

  • Medical Alert Bracelets/Necklaces: Engraved or with USB drives holding medical information for emergencies (allergies, conditions like diabetes, epilepsy). The bracelet/necklace itself is FSA-eligible. Engraving services usually are not, but check plan details.

• Bathroom Safety Equipment:

  • Items like shower chairs, grab bars, toilet safety rails are considered DME and are FSA-eligible if needed for a medical condition or due to age-related mobility issues. Walgreens may stock some of these items.

• Incontinence Supplies:

  • Adult diapers, briefs, protective underwear, bladder control pads, underpads (chux). Generally FSA-eligible when used for incontinence related to a medical condition.

5. Vision Care Products:
While Walgreens Optical centers provide eye exams and prescription eyewear (which are FSA-eligible services and products), the main Walgreens store also sells many FSA-eligible vision items.

• Prescription Eyeglasses: If purchased from Walgreens Optical, the frames and prescription lenses are fully FSA-eligible. This includes single vision, bifocal, trifocal, and progressive lenses. Lens coatings like anti-reflective, scratch-resistant, UV protection are also typically eligible when purchased with prescription lenses.

• Prescription Sunglasses: Sunglasses fitted with your corrective prescription are FSA-eligible.

• Contact Lenses (Prescription): Daily wear, extended wear, disposable, toric (for astigmatism), multifocal, colored (if corrective). Your FSA card can be used for the lenses themselves and any associated fitting fees charged by the optometrist. Walgreens sells major brands online and often via pharmacy order.

• Contact Lens Care: This is a major category available in the store aisles.

  • Saline Solution: For rinsing lenses.

  • Multi-Purpose Solutions: For cleaning, rinsing, disinfecting, storing soft contact lenses (Opti-Free, ReNu, BioTrue, Clear Care – hydrogen peroxide system).

  • Hydrogen Peroxide Cleaning Systems: Require special cases with neutralizers (Clear Care, PeroxiClear). Replacement cases are also eligible.

  • Daily Cleaners: Separate cleaners for removing protein deposits.

  • Rewetting Drops: Lubricating drops specifically designed for use with contact lenses (Refresh Contacts, Blink Contacts).

  • Contact Lens Cases: Essential for storage and hygiene. FSA-eligible.

• Eye Drops (Medicated/Therapeutic):

  • Lubricant Eye Drops (Artificial Tears): For dry eye relief (Systane, Refresh, TheraTears, Blink Tears, Genteal). Many formulations available (preservative-free vials, gels, ointments for nighttime use). FSA-eligible as they treat a medical condition (dry eye).

  • Allergy Eye Drops: As mentioned in the allergy section (Zaditor, Alaway, Pataday).

  • Redness Relief Eye Drops: While some basic redness relievers (like Visine original with tetrahydrozoline) might be questioned by some plans, drops specifically for treating conditions causing redness (like Lumify with brimonidine) are generally eligible. Check plan guidance if unsure.

  • Prescription Eye Drops: For conditions like glaucoma or infections (copays/costs are eligible). Filled at the pharmacy.

• Reading Glasses: Non-prescription reading glasses (“readers” or “cheaters”) are generally considered FSA-eligible. They compensate for presbyopia, a medical condition (age-related farsightedness). Walgreens has a wide selection in various strengths.

• Eyeglass Accessories:

  • Repair Kits: Small screws, screwdrivers for minor repairs. Usually eligible.

  • Cleaning Cloths and Sprays: Specifically for eyeglasses. Often eligible.

  • Cases: Protective cases for eyeglasses. Generally eligible.

  • Cords/Retainers: To keep glasses secure. Eligibility may vary, often considered eligible.

6. Dental Care Products:
Walgreens does not provide dental services, but you can use your FSA card to purchase eligible dental care products off the shelf. (Note: Dental procedures like fillings, crowns, cleanings are FSA-eligible but paid for at your dentist’s office).

• Denture Care:

  • Denture Adhesives: Creams, powders, strips (Fixodent, Poligrip).

  • Denture Cleansers: Effervescent tablets, gels (Efferdent, Polident).

  • Denture Brushes and Baths: For cleaning and soaking dentures.

• Orthodontic Supplies:

  • Orthodontic Wax: To prevent irritation from braces.

  • Floss Threaders: To help floss under braces.

• Pain Relief (Oral):

  • OTC Pain Relievers: Ibuprofen, Acetaminophen for toothaches (as listed previously).

  • Topical Oral Anesthetics: Gels or liquids containing benzocaine (Orajel, Anbesol) for temporary relief of toothache, gum pain, canker sore pain.

• Mouth Guards:

  • For Teeth Grinding (Bruxism): Over-the-counter night guards that you mold to your teeth. FSA-eligible as they prevent damage caused by a medical condition.

  • Athletic Mouth Guards: Generally not FSA-eligible as they are considered protective sports equipment, not treatment for a medical condition.

• Dry Mouth Relief:

  • Mouthwashes, sprays, lozenges formulated for dry mouth (xerostomia), a medical condition (Biotene).

• Canker Sore/Cold Sore Treatments:

  • Topical treatments containing docosanol (Abreva for cold sores) or anesthetics/protectants for canker sores (Kank-A, Orabase).

• Items Generally NOT Eligible: Toothpaste, toothbrushes (manual or electric), dental floss, regular mouthwash. These are considered general hygiene items unless prescribed by a dentist to treat a specific medical condition (e.g., prescription fluoride toothpaste), in which case the prescription cost/copay is eligible.

7. Feminine Hygiene Products:
Another category significantly impacted by the CARES Act. Previously ineligible, most feminine hygiene products are now FSA-eligible.

• Tampons: All absorbencies, types (cardboard, plastic applicator, digital/no applicator).

• Pads (Sanitary Napkins): Regular, super, overnight, maxi, ultra-thin, winged, wingless.

• Menstrual Cups: Reusable silicone cups (DivaCup, Saalt Cup, Lunette).

• Menstrual Discs: Similar to cups but different shape/placement (Flex Disc, Softcup).

• Liners (Panty Liners): For light flow or backup.

• Period Underwear: Reusable absorbent underwear. Check specific product eligibility with your plan, but increasingly accepted.

• Medicated Products for Menstrual Relief:

  • Heating pads/patches specifically marketed for menstrual cramps (Thermacare Menstrual).

  • OTC pain relievers for cramps (Midol, Pamprin – often contain acetaminophen/ibuprofen plus caffeine or diuretics).

  • Medicated wipes or creams for external irritation related to menstruation.

8. Family Planning and Sexual Health:
Walgreens offers several FSA-eligible items in this sensitive but important category.

• Condoms: Male condoms (latex, polyurethane, polyisoprene) are FSA-eligible for pregnancy and STD prevention.

• Pregnancy Tests: Home pregnancy tests (First Response, Clearblue, EPT, generic). All types (line tests, digital). FSA-eligible.

• Ovulation Prediction Kits/Fertility Monitors:

  • Urine test strips that detect the LH surge predicting ovulation (Clearblue Ovulation, First Response Ovulation).

  • Basal body thermometers (mentioned earlier).

  • Digital fertility monitors that track hormone levels. Often FSA-eligible. Check specific device.

• Prenatal Vitamins: Vitamins specifically formulated for pregnancy (containing folic acid, iron, etc.). These are generally FSA-eligible even without a separate prescription, unlike regular multivitamins. Check your plan, but this is a common allowance.

• Personal Lubricants: Generally FSA-eligible when intended to alleviate dryness associated with intercourse or medical conditions. Brands like K-Y Jelly, Astroglide. Water-based, silicone-based.

• Contraceptives (OTC):

  • Spermicides (foams, gels, suppositories – VCF).

  • Contraceptive sponges (Today Sponge).

  • Note: Prescription contraceptives like birth control pills, patches, rings, IUDs are also FSA-eligible (copays/costs).

• Yeast Infection Treatments (OTC): Antifungal creams, suppositories, tablets containing miconazole (Monistat), clotrimazole (Gyne-Lotrimin). FSA-eligible.

9. Baby and Child Care (Medically Necessary Items):
While many baby items are not eligible, those treating or preventing a medical condition usually are.

• Diaper Rash Creams/Ointments: Medicated varieties containing zinc oxide, petrolatum, or other protectants/treatments (Desitin, A+D Ointment, Boudreaux’s Butt Paste). FSA-eligible.

• Baby Thermometers: Digital, ear, forehead types specifically for infants/children.

• Nasal Aspirators: Bulb syringes, manual suction devices (NoseFrida the SnotSucker – including hygiene filters), electric nasal aspirators. Used to clear nasal congestion in infants who cannot blow their nose. FSA-eligible.

• Rehydration Solutions: Electrolyte solutions for dehydration due to vomiting or diarrhea (Pedialyte, Enfalyte, store brands). Liquid and powder/freezer pop forms. FSA-eligible.

• Children’s Medications (OTC):

  • Pain and Fever Reducers: Infant/Children’s Tylenol (acetaminophen), Infant/Children’s Motrin/Advil (ibuprofen). Dosed appropriately for age/weight.

  • Cold and Cough Medicines: Formulations specifically for children (Children’s Mucinex, Children’s Dimetapp, Children’s Robitussin). Carefully check age restrictions and ingredients.

  • Allergy Medications: Children’s formulations (Children’s Zyrtec, Children’s Claritin, Children’s Benadryl).

  • Gas Relief Drops: Simethicone drops for infants (Mylicon, Little Remedies Gas Relief Drops).

  • Teething Pain Relief: OTC topical anesthetic gels/liquids (Baby Orajel – use with caution and according to guidelines due to potential risks) or homeopathic remedies (check eligibility). Oral pain relievers are generally preferred and eligible.

• Breast Pumps and Supplies:

  • Breast Pumps: Electric (single or double), manual breast pumps are generally FSA-eligible. Often covered by insurance under ACA, but FSA can cover cost-sharing or upgrades. Check plan rules. Walgreens may carry some models or allow ordering.

  • Breast Pump Replacement Parts: Tubing, flanges/breast shields (various sizes), valves, membranes, bottles/storage containers specifically for the pump system. FSA-eligible.

  • Milk Storage Bags: Bags specifically designed for storing expressed breast milk. Generally FSA-eligible.

  • Nursing Pads: Disposable or reusable pads for leakage. Eligibility can vary; some plans consider them general hygiene, others allow them. Check your plan. Lanolin cream (Lansinoh) for sore nipples is usually eligible.

• Baby Formula: Standard infant formula is generally NOT FSA-eligible. It is considered nutrition. However, specialty formulas required to treat a specific medical condition (e.g., severe allergies, metabolic disorders) can be eligible but almost always require a Letter of Medical Necessity (LOMN) from a doctor.

10. Sun Protection and Skin Care (Medicated):

• Sunscreen: Broad-spectrum sunscreen with an SPF of 15 or higher is generally FSA-eligible. This includes lotions, sprays, sticks, for adults and children. Lip balm with SPF 15+ is also typically eligible. Note: Tanning lotions or sunscreens with SPF below 15 are not eligible.

• Sunburn Relief: Medicated creams, gels, or sprays containing ingredients like aloe vera, lidocaine, or benzocaine specifically marketed for sunburn relief (Solarcaine). FSA-eligible.

• Medicated Skin Treatments:

  • Eczema Creams/Ointments: Products containing hydrocortisone, colloidal oatmeal, ceramides specifically marketed for eczema relief (Eucerin Eczema Relief, Aveeno Eczema Therapy, Cortizone-10 Eczema).

  • Psoriasis Treatments: OTC creams/shampoos containing coal tar or salicylic acid.

  • Anti-Fungal Creams/Powders/Sprays: For athlete’s foot (tinea pedis – Lotrimin AF, Tinactin), jock itch (tinea cruris), ringworm (tinea corporis). Contain ingredients like clotrimazole, miconazole, terbinafine.

  • Wart Removal Treatments: Salicylic acid preparations (Compound W, Dr. Scholl’s Wart Remover), freezing kits (Compound W Freeze Off, Wartner). FSA-eligible.

  • Corn and Callus Removers: Medicated pads or liquids containing salicylic acid (Dr. Scholl’s). Cushions without medication are usually not eligible.

  • Poison Ivy/Oak Treatments: Creams containing hydrocortisone, calamine, or specialized washes (Tecnu) to remove urushiol oil.

• General Skin Care NOT Eligible: Regular moisturizers, anti-aging creams, cosmetics, soaps, body washes unless they contain medication and treat a specific medical condition.

11. Foot Care (Medicated/Therapeutic):
Many foot care items available at Walgreens qualify for FSA spending.

• Medicated Foot Creams/Powders: As mentioned above (anti-fungal for athlete’s foot). Also, creams for severely dry, cracked feet if medicated or specifically for a condition like diabetic foot care.

• Corn and Callus Removers/Cushions (Medicated): Salicylic acid treatments. Medicated cushions.

• Wart Removers: As mentioned above.

• Bunion Relief: Cushions or pads specifically designed to relieve pain from bunions. Usually eligible. Splints may also qualify.

• Arch Supports and Orthotic Inserts: If these are necessary to treat a specific medical condition (like plantar fasciitis, flat feet causing pain), they are generally FSA-eligible. Basic shoe insoles for comfort only may not be. Look for products marketed for medical conditions (Dr. Scholl’s Orthotics for Plantar Fasciitis, etc.). Custom orthotics prescribed by a podiatrist are definitely eligible (paid at the provider’s office).

• Ingrown Toenail Relief: Kits or softening gels.

12. Smoking Cessation Aids:
Products designed to help you quit smoking are generally FSA-eligible.

• Nicotine Replacement Therapy (NRT):

  • Nicotine Patches: Various strengths, worn on the skin (NicoDerm CQ).

  • Nicotine Gum: Different strengths and flavors (Nicorette).

  • Nicotine Lozenges: Dissolve in the mouth (Nicorette Lozenges).

• Prescription Smoking Cessation Drugs: Copays/costs for medications like Chantix (varenicline) or Zyban (bupropion SR – also used as an antidepressant) prescribed specifically for smoking cessation are FSA-eligible. Filled at the pharmacy.

13. Diagnostic Products (Self-Use):
Beyond the major monitoring devices, some specific self-test kits are eligible.

• Urinary Tract Infection (UTI) Test Strips: Home tests that detect signs of a UTI (like nitrites, leukocytes) (AZO Test Strips). FSA-eligible.

• Drug Testing Kits: Home drug tests are sometimes considered FSA-eligible, particularly if needed for medical monitoring or treatment compliance. Check your specific plan rules.

• Blood Type Testing Kits: Eligibility may vary. Check plan rules.

• Other Home Health Tests: Kits for cholesterol (mentioned earlier), fecal occult blood tests (for colorectal cancer screening), etc., are often FSA-eligible.

14. Items Potentially Requiring a Letter of Medical Necessity (LOMN):
Some items might be considered “dual-purpose” (could be for general health or a specific medical need) or fall outside standard eligible categories. For these, your FSA administrator may require a Letter of Medical Necessity (LOMN) from your doctor explaining why the item is needed to diagnose, treat, mitigate, or prevent a specific medical condition. Walgreens sells the product, but you need the LOMN for FSA approval/reimbursement.

• What is an LOMN? A dated letter on physician’s letterhead including: Patient’s name, specific medical condition/diagnosis, specific treatment/item recommended, explanation of medical necessity, duration of treatment/need, physician’s signature.

• Examples of Items That MAY Require an LOMN (Check Your Plan):

  • Vitamins/Supplements: Generally not eligible unless prescribed for a specific diagnosed deficiency or condition (e.g., high-dose Vitamin D for deficiency, iron supplements for anemia). Prenatal vitamins are often an exception (usually eligible without LOMN).

  • Orthopedic Shoes/Inserts: If needed for a specific foot condition, beyond basic arch support OTC inserts.

  • Massage Devices/Therapy: Usually considered general wellness unless prescribed for a specific condition like chronic back pain or muscle injury recovery.

  • Air Conditioners/Air Purifiers/Humidifiers/Dehumidifiers: Can be eligible if necessary to treat a respiratory condition like asthma or severe allergies documented by a doctor.

  • Water Picks: Can sometimes be eligible if recommended by a dentist for gum disease treatment.

  • Weight Loss Programs/Drugs: Only eligible if prescribed by a physician to treat a specific diagnosed medical condition like obesity, hypertension, or heart disease. Cannot be for general weight loss. Includes costs of programs, not usually food.

  • Home Exercise Equipment (e.g., Treadmill): Very rarely eligible, only if prescribed as essential treatment for a specific condition (e.g., cardiovascular rehab) and primarily used for that purpose.

  • Improvements to Home: Modifications like ramps or grab bars can be eligible if medically necessary, but these aren’t typically purchased at Walgreens.

  • Special Foods: Like gluten-free foods. Only the cost difference compared to regular food might be eligible if prescribed for a condition like Celiac disease, requires LOMN and careful record-keeping. Not typically managed via Walgreens purchases.

Always check with your FSA administrator or consult your plan documents if you are unsure whether an item requires an LOMN.

What is Generally NOT FSA-Eligible at Walgreens:

It is just as important to know what you cannot typically buy with your FSA card to avoid declined transactions or repayment obligations.

• Cosmetics: Makeup, lipstick, nail polish, lotions, creams, anti-aging products unless they contain medication and are prescribed to treat a specific medical condition (rare for cosmetics).

• General Toiletries: Soap, shampoo, conditioner, deodorant, non-medicated mouthwash, toothpaste, dental floss (unless prescribed fluoride toothpaste, etc.). These are personal hygiene items.

• Dietary Supplements and General Vitamins: Multivitamins, Vitamin C, herbal supplements (like St. John’s Wort, Ginkgo Biloba, Echinacea), protein powders, probiotics (unless specifically prescribed with LOMN for a diagnosed medical condition). Prenatal vitamins are the common exception.

• Weight Loss Foods/Diet Foods/Beverages: Special low-calorie meals, shakes, bars purchased for general weight loss.

• General Exercise Equipment: Dumbbells, resistance bands, yoga mats (unless LOMN exception applies).

• Teeth Whitening Products: Strips, gels, trays for cosmetic teeth whitening.

• Standard Baby Formula: As mentioned, considered nutrition.

• Non-Medicated Skin Care: Basic moisturizers, cleansers, toners.

• Feminine Hygiene Pads/Tampons (Before CARES Act – now eligible).

• Sunscreen SPF below 15 / Tanning Lotions.

• Recreational Oxygen Cans.

• Athletic Mouth Guards.

• Non-Medicated Shoe Insoles for Comfort.

• Hair Growth Products (Cosmetic): Rogaine used for cosmetic reasons (may be eligible if prescribed for medically induced hair loss, requires documentation).

• General Purpose Items: Items that have a medical use but are primarily used for general well-being or convenience without a specific medical diagnosis (e.g., a standard humidifier used only for comfort in a dry room).

Maximizing Your FSA Benefits at Walgreens: Strategies and Tips

Using your FSA effectively is about more than just knowing what is eligible; it requires planning and smart shopping.

• Plan Ahead – Beat the Deadline: Understand your plan’s deadline (end of plan year, grace period end date, or carryover rules). Estimate your likely healthcare expenses for the year when making your contribution election. Towards the end of the year/grace period, review your remaining balance and plan necessary purchases at Walgreens to avoid forfeiture. Stock up on frequently used eligible items like pain relievers, allergy meds, first aid supplies, contact lens solution, sunscreen, etc.

• Utilize Walgreens’ Online Tools:

  • Walgreens.com/App: When shopping online, look for the “FSA Eligible” marker clearly displayed on product listings. You can often filter search results to show only FSA-eligible items, making browsing much easier. Add items to your cart and use your FSA card at checkout.

  • Check Product Details: Read online product descriptions carefully; they often state FSA eligibility.

• Compare with FSA Store Websites: While Walgreens is convenient, specialized online retailers like FSAStore.com or HealthProductsForYou.com only sell FSA-eligible items. You can browse these sites to get ideas or confirm eligibility for certain product types, even if you ultimately purchase at Walgreens.

• Understand Your Specific Plan Rules: Contribution limits, deadlines, grace periods, carryover amounts, LOMN requirements, and specific exclusions can vary slightly by employer/administrator. Review your Summary Plan Description (SPD) or contact your HR department or FSA administrator.

• Keep Meticulous Records: We cannot stress this enough. Save every itemized receipt for FSA purchases made at Walgreens, even when using the FSA debit card. Store them digitally (scans, photos) or in a dedicated folder. Also keep copies of prescriptions, EOBs, and any LOMNs submitted. This is your backup if your administrator requests substantiation.

• Coordinate with Insurance: Understand how your FSA works with your health insurance. FSA funds can cover deductibles, copays, and coinsurance after insurance processes a claim (for services/prescriptions). For OTC items, insurance usually isn’t involved.

• Think Broadly About Health Needs: Consider all family members covered under your FSA. Do you need children’s medications? Prenatal vitamins? Supplies for an elderly parent you claim as a dependent (check rules)? Does anyone need new glasses or contacts? Orthopedic supports? Stocking your first aid kit? These are all potential uses for your funds at Walgreens.

Navigating Common Issues and Scenarios

Even with planning, you might encounter occasional hiccups when using your FSA card at Walgreens.

• FSA Card Declined: This can happen for several reasons:

  • Insufficient Funds: You have spent your allocated amount for the year. Check your balance via your FSA administrator’s portal/app.

  • Non-Eligible Item: The IIAS system identified an item in your cart that is not FSA-eligible, and you did not provide a second form of payment. Ensure you are only trying to charge eligible items to the FSA card or be prepared to split the payment.

  • Card Not Activated/Expired: Ensure your card is active and has not expired.

  • System Error: Occasionally, the POS system or the network connecting to the FSA administrator might have a temporary issue. Try the transaction again or pay out-of-pocket and submit for reimbursement.

  • Merchant Blocking: Less common at large chains like Walgreens, but sometimes FSA cards are blocked if the merchant’s IIAS system is not up-to-date or if they primarily sell non-healthcare items.

• Post-Transaction Substantiation Request: Your FSA administrator might send you a letter or email asking for proof of purchase (an itemized receipt) for a transaction made with your FSA card at Walgreens. Respond promptly with the requested documentation to avoid having the transaction reversed or needing to repay the funds.

• Returning an FSA Purchase to Walgreens:

  • Walgreens Return Policy: Generally, Walgreens accepts returns of unopened items within 30 days with a receipt. Policies can vary slightly, especially for pharmacy items.

  • Refund Method: Per IRS rules, refunds for items purchased with an FSA card should ideally go back to the same FSA account. If you used your FSA debit card, Walgreens will typically credit the refund back to that card. If this is not possible (e.g., account closed, end of plan year issues), they might offer store credit or, in some cases, cash (though this is less common and can complicate things with your FSA administrator). It is best if the refund returns to the FSA to restore your balance. Inform your administrator if you receive a cash/credit refund.

  • Timing: Returning items near the end of a plan year or grace period can be tricky, as the funds might be forfeited if not used again quickly.

Walgreens-Specific Features and Considerations

Leveraging Walgreens’ infrastructure can enhance your FSA spending experience.

• Shelf Labels: Some Walgreens locations may use shelf tags or labels to indicate FSA-eligible items. Look for these visual cues while shopping in the aisles, but always double-check as product coding or shelf stocking can sometimes be imperfect. Relying on the IIAS system at checkout or checking the Walgreens website/app is more definitive.

• Pharmacy Services: Utilize the Walgreens pharmacy for your prescriptions. Pharmacists can answer questions about medication coverage and potential OTC alternatives. You can easily use your FSA card for prescription copays right at the pharmacy counter. They can also often special order certain medical supplies or equipment if not stocked on shelves.

• Walgreens Online FSA Filtering: As mentioned, the ability to filter for “FSA Eligible” items on Walgreens.com is a highly valuable tool for efficient shopping and planning.

• myWalgreens Rewards Program: You can typically earn myWalgreens rewards points (Walgreens Cash rewards) on eligible purchases made with your FSA card. However, IRS rules generally prohibit using rewards points or store loyalty program discounts to pay for FSA-eligible items directly, as this could be seen as receiving a non-permissible discount on pre-tax funds. So, you earn points on the purchase, but you cannot redeem points to lower the cost paid by your FSA. Pay the full FSA-eligible amount with your FSA funds, and enjoy the earned rewards on later non-FSA purchases. Check the latest myWalgreens terms and conditions for specifics.

The Evolving Landscape: Future of FSA and OTC Eligibility

The rules surrounding FSAs and eligible expenses are subject to change based on legislation and IRS guidance.

• Permanence of CARES Act: The provision allowing OTC medications and feminine hygiene products to be purchased without a prescription using FSA funds was made permanent by the Consolidated Appropriations Act, 2021. This is a significant benefit that seems likely to remain.

• Potential Future Changes: Discussions sometimes arise in Congress regarding contribution limits, carryover amounts, or the range of eligible expenses (e.g., adding gym memberships for general health – currently not allowed without LOMN for specific condition).

• Staying Informed: The best way to stay current is through communications from your employer or FSA administrator. They will notify participants of any significant changes affecting their plans. Regularly checking the IRS website (irs.gov) for publications related to medical expenses (like Publication 502) can also provide official guidance.

Using your FSA at Walgreens offers remarkable convenience and value, allowing you to purchase a vast range of necessary health and wellness products with pre-tax dollars. From prescription medications and advanced health monitors to everyday first aid supplies, allergy relief, and even sunscreen, Walgreens serves as a one-stop shop for many of your FSA needs. By understanding the fundamentals of how FSAs work, familiarizing yourself with the extensive list of eligible product categories, leveraging Walgreens’ IIAS system and online tools, and diligently keeping records, you can confidently and effectively manage your healthcare spending. Remember to always consult your specific plan documents or FSA administrator for definitive guidance on eligibility and rules pertinent to your account.

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Conclusion

Navigating the world of Flexible Spending Accounts can seem complex, but understanding how to effectively utilize these funds at accessible retailers like Walgreens unlocks significant savings on healthcare expenses. We have established that Walgreens readily accepts FSA cards for a broad spectrum of IRS-approved medical products and services. Their sophisticated IIAS system simplifies the checkout process by automatically identifying eligible items, allowing for seamless transactions using your FSA debit card, both in-store and online via Walgreens.com.

This guide has provided an exhaustive breakdown of eligible categories, including prescription medications, over-the-counter drugs (now largely available without a prescription thanks to the CARES Act), vital health monitoring devices, essential medical supplies, vision and dental care products, feminine hygiene items, family planning necessities, specific baby care products, sun protection, foot care remedies, and smoking cessation aids. We have also highlighted items generally not covered and situations where a Letter of Medical Necessity might be required.

The key takeaways are clear: planning your purchases, utilizing tools like the Walgreens website’s FSA filter, understanding your specific plan’s rules (especially regarding deadlines and carryover/grace periods), and meticulously saving all itemized receipts are crucial practices. By embracing these strategies, you can maximize the pre-tax benefits of your FSA, ensuring your healthcare dollars are spent wisely and effectively at Walgreens for the well-being of yourself and your family. Walgreens remains a premier, convenient destination for leveraging your Flexible Spending Account.

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Frequently Asked Questions (FAQs)

1. Q: Can I definitely use my FSA card at any Walgreens store?
   A: Yes, Walgreens stores nationwide are equipped with IIAS-certified systems to accept FSA debit cards for eligible purchases. You can also use your FSA card on Walgreens.com for items marked “FSA Eligible.”

2. Q: Do I need a prescription to buy OTC medicines like Tylenol or Flonase with my FSA card at Walgreens?
   A: No, thanks to the CARES Act, prescriptions are no longer required for most over-the-counter medications (pain relievers, cold/flu remedies, allergy medications, etc.) to be FSA-eligible. You can purchase them directly using your FSA card.

3. Q: What happens if I try to buy both FSA-eligible items (like bandages) and non-eligible items (like shampoo) in one transaction at Walgreens?
   A: The Walgreens checkout system (IIAS) will identify the eligible items and charge only their total cost to your FSA card. You will then need to provide a separate payment method (credit card, cash, etc.) for the non-eligible items in the same transaction (a split payment).

4. Q: Are vitamins FSA-eligible at Walgreens?
   A: Generally, no. Standard multivitamins and dietary supplements for general health are not FSA-eligible. The common exception is prenatal vitamins, which are typically eligible. Other vitamins might be eligible only if prescribed by a doctor to treat a specific medical condition and accompanied by a Letter of Medical Necessity (LOMN).

5. Q: Is sunscreen FSA-eligible at Walgreens?
   A: Yes, broad-spectrum sunscreen with an SPF of 15 or higher is generally FSA-eligible. This includes lotions, sprays, and sticks for adults and children, as well as lip balm with SPF 15+. Tanning oils or sunscreens below SPF 15 are not eligible.

6. Q: Can I buy reading glasses at Walgreens with my FSA card?
   A: Yes, non-prescription reading glasses are typically considered FSA-eligible as they address presbyopia, an age-related vision condition. Walgreens offers a wide selection.

7. Q: Are feminine hygiene products like tampons and pads FSA-eligible at Walgreens?
   A: Yes, the CARES Act made tampons, pads, menstrual cups, liners, and related feminine hygiene products permanently FSA-eligible without needing a prescription.

8. Q: Do I still need to keep my receipts from Walgreens if I use my FSA debit card?
   A: Absolutely YES. Always keep your detailed, itemized receipts. Your FSA administrator may request them later to verify the eligibility of purchases, even if the transaction was initially approved by the IIAS system. Receipts are essential proof.

9. Q: Can I use my FSA funds to buy a breast pump at Walgreens?
   A: Yes, breast pumps (manual and electric) and related breastfeeding supplies (storage bags, replacement parts) are generally FSA-eligible medical expenses. Walgreens may carry some models or allow ordering through their pharmacy or website.

10. Q: What should I do if my FSA card is declined at Walgreens?
    A: First, check your FSA account balance. Ensure the items you are purchasing are indeed eligible. If funds are sufficient and items are eligible, it might be a temporary system issue. You could try the transaction again or choose to pay out-of-pocket with personal funds and submit a claim for reimbursement to your FSA administrator using your itemized receipt.

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