Welcome to your definitive resource for understanding and maximizing your Flexible Spending Account (FSA) benefits at Walgreens. We recognize the importance of making every dollar in your FSA count towards your health and well-being. Navigating the complexities of FSA eligibility can sometimes feel overwhelming, but with the right information, you can confidently purchase the health-related items you need while ensuring compliance with IRS guidelines. Walgreens, with its vast network of stores and comprehensive online platform, offers unparalleled convenience for spending your pre-tax FSA dollars. This guide is meticulously crafted to provide you with an exhaustive list and detailed explanations of FSA-eligible products commonly found at Walgreens, empowering you to make informed decisions and fully leverage this valuable benefit before your plan’s deadline. We aim to be your most trusted partner in optimizing your healthcare spending.

Understanding the Foundation: What Makes a Product FSA-Eligible?

Before diving into the extensive list of products available at Walgreens, it’s crucial to grasp the fundamental principles governing FSA eligibility. According to the Internal Revenue Service (IRS), funds in your FSA can generally be used to pay for qualified medical expenses. The core definition revolves around expenses incurred primarily for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for treatments affecting any structure or function of the body. This definition is broad but specifically excludes expenses that are merely beneficial to general health, such as vitamins taken for wellness rather than a diagnosed deficiency, or cosmetic procedures.

A significant development impacting FSA eligibility was the Coronavirus Aid, Relief, and Economic Security (CARES) Act, enacted in March 2020. This legislation permanently reinstated the eligibility of over-the-counter (OTC) medications without requiring a doctor’s prescription. This was a major shift, greatly expanding the range of everyday health items you can purchase with your FSA funds at retailers like Walgreens. Additionally, the CARES Act made menstrual care products (tampons, pads, cups, etc.) fully FSA-eligible for the first time. Understanding these foundational rules is the first step toward confidently using your FSA dollars at Walgreens. Always remember, the primary purpose must be medical care, not general well-being or cosmetic enhancement.

Seamless Shopping: Identifying FSA-Eligible Items at Walgreens

Walgreens makes a considerable effort to help shoppers identify FSA-eligible products, streamlining the process whether you shop in-store or online. Here’s how we help you find what you need:

1. In-Store Signage: As you walk the aisles of your local Walgreens, keep an eye out for specific shelf tags or signs. Often, products eligible for FSA purchase are marked with designations like “FSA Eligible,” “FSA Approved,” or a similar indicator. While stores strive for accuracy, it’s always wise to cross-reference with this guide or your plan administrator if unsure, especially for less common items.

2. Walgreens Website (Walgreens.com): The online shopping experience offers powerful tools. When browsing product categories on Walgreens.com, you can often find a filter specifically for “FSA Eligible Items.” Applying this filter will narrow down the selection, showing only those products generally recognized as qualified medical expenses. Product pages themselves may also reiterate FSA eligibility.

3. Walgreens Mobile App: Similar to the website, the Walgreens mobile app incorporates features to help identify eligible items. You can browse, filter, and check product details for FSA eligibility indicators directly from your smartphone, making it convenient to check items before heading to the checkout or while planning your shopping trip.

4. Consulting the Pharmacist: Walgreens pharmacists are knowledgeable healthcare professionals who can often provide guidance on the eligibility of OTC medications and other health-related products. If you’re uncertain whether a specific item qualifies, especially concerning its medical purpose, don’t hesitate to ask the pharmacist. They can offer valuable context, although final eligibility always rests with IRS guidelines and your specific plan rules.

5. Using Your FSA Debit Card: While not a pre-purchase identification method, using an FSA debit card at checkout can provide immediate feedback. Most FSA cards utilize an Inventory Information Approval System (IIAS), which automatically approves eligible items and denies non-eligible ones at the point of sale. However, relying solely on this can be risky if you need the items and lack alternative payment methods. It’s better to confirm eligibility beforehand.

By utilizing these resources, you can navigate Walgreens’ extensive inventory with greater confidence, ensuring the items you purchase align with FSA requirements.

The Comprehensive Compendium: FSA-Eligible Categories and Products at Walgreens

We now present an exhaustive exploration of product categories generally considered FSA-eligible and readily available at most Walgreens locations or through Walgreens.com. We delve into specific product types and often mention popular brands found on Walgreens shelves to provide concrete examples. Please remember that inventory can vary by location and time.

1. Over-the-Counter (OTC) Medications: Your First Line of Defense

Thanks to the CARES Act, a vast array of non-prescription medications are now FSA-eligible. This category covers treatments for common ailments, making it one of the most frequently utilized for FSA spending.

• Pain Relief: Managing pain, whether from headaches, muscle strains, arthritis, or menstrual cramps, is a cornerstone of self-care.

  • Oral Analgesics: This includes widely used pain relievers containing active ingredients like acetaminophen (found in Tylenol, Walgreens Acetaminophen), ibuprofen (found in Advil, Motrin, Walgreens Ibuprofen), naproxen sodium (found in Aleve, Walgreens Naproxen Sodium), and aspirin (found in Bayer, Ecotrin, Walgreens Aspirin). Walgreens offers these in various formulations:

    • Tablets/Caplets: Standard, easy-to-swallow forms.

    • Liquid Gels: Often preferred for potentially faster absorption.

    • Rapid Release Gels: Designed for quicker onset of relief.

    • Extended-Release Formulas: Providing longer-lasting relief, particularly useful for chronic conditions like arthritis (e.g., Aleve, Walgreens All Day Pain Relief).

    • PM Formulas: Often combined with a sleep aid (like diphenhydramine) for nighttime pain relief (e.g., Tylenol PM, Advil PM, Walgreens Pain Reliever PM).

    • Migraine Formulas: May contain caffeine or specific combinations targeting migraine symptoms (e.g., Excedrin Migraine, Walgreens Migraine Relief).

    • Menstrual Pain Formulas: Often contain ibuprofen or naproxen sodium, sometimes combined with other ingredients like pamabrom (diuretic) (e.g., Midol, Pamprin).

  • Topical Analgesics: For localized pain relief, targeting muscles and joints directly.

    • Creams and Gels: Containing ingredients like menthol, camphor, capsaicin, or lidocaine (e.g., Bengay, Icy Hot, Aspercreme with Lidocaine, Voltaren Arthritis Pain Gel (Diclofenac Sodium), Salonpas Patches/Gels, Walgreens Muscle Rubs/Pain Relief Creams). These provide cooling, warming, or numbing sensations.

    • Patches: Deliver medication continuously over a period (e.g., Salonpas Pain Relieving Patches, Icy Hot Patches, Lidocaine patches like Aspercreme or Walgreens brand).

    • Sprays: Convenient application for hard-to-reach areas (e.g., Icy Hot Dry Spray, Biofreeze Spray).

• Cold, Cough & Flu Relief: Combatting the symptoms of upper respiratory infections is essential for comfort and recovery.

  • Decongestants: Help relieve nasal and sinus congestion.

    • Oral Decongestants: Containing phenylephrine (available OTC, e.g., Sudafed PE, various multi-symptom cold formulas) or pseudoephedrine (kept behind the pharmacy counter due to regulations, requiring ID, e.g., Sudafed, Nexafed, Walgreens Pseudoephedrine).

    • Nasal Sprays (Decongestant): Containing oxymetazoline (e.g., Afrin, Vicks Sinex, Walgreens Nasal Spray) or phenylephrine. Note: These should only be used for a few days to avoid rebound congestion.

  • Cough Suppressants: Help reduce the urge to cough, often containing dextromethorphan (DM) (e.g., Robitussin DM, Delsym, various multi-symptom formulas).

  • Expectorants: Help loosen phlegm and thin bronchial secretions, making coughs more productive. The primary ingredient is guaifenesin (e.g., Mucinex, Robitussin Chest Congestion, Walgreens Mucus Relief). Available in regular and maximum strength, and extended-release tablets.

  • Sore Throat Relief:

    • Lozenges/Cough Drops: Containing menthol, benzocaine (numbing agent, e.g., Cepacol Sore Throat Lozenges), or pectin (oral demulcent) (e.g., Halls, Ricola, Walgreens Cough Drops).

    • Sore Throat Sprays: Provide targeted numbing relief with ingredients like phenol or benzocaine (e.g., Chloraseptic Sore Throat Spray, Walgreens Sore Throat Spray).

  • Multi-Symptom Cold & Flu Formulas: Combine several ingredients (pain reliever, decongestant, cough suppressant, antihistamine for nighttime formulas) to tackle multiple symptoms at once (e.g., Vicks DayQuil/NyQuil, Theraflu, Tylenol Cold + Flu Severe, Advil Multi-Symptom Cold & Flu, Walgreens Multi-Symptom Cold/Flu Relief). Available in liquids, caplets, and dissolving powders.

  • Chest Rubs: Topical ointments containing camphor, menthol, and eucalyptus oil applied to the chest or throat for cough suppression and soothing vapors (e.g., Vicks VapoRub, Walgreens Chest Rub).

  • Nasal Saline Sprays/Drops: Drug-free options to moisturize nasal passages and help clear congestion (e.g., Simply Saline, NeilMed Sinus Rinse Kits, Walgreens Saline Nasal Spray). Also essential for use with medicated nasal sprays.

• Allergy Relief: Managing seasonal or perennial allergies triggered by pollen, dust mites, pet dander, or mold.

  • Oral Antihistamines: Block histamine, the chemical responsible for many allergy symptoms.

    • Non-Drowsy/Less Drowsy: Loratadine (Claritin, Walgreens All Day Allergy), Cetirizine (Zyrtec, Walgreens Allergy Relief), Fexofenadine (Allegra, Walgreens 24 Hour Allergy). Available in tablets, dissolving tablets, liquid gels, and children’s formulations.

    • Traditional Antihistamines: Diphenhydramine (Benadryl, Walgreens Allergy Relief) – effective but can cause significant drowsiness. Also available in topical forms for itching. Chlorpheniramine (found in some multi-symptom products).

  • Nasal Steroid Sprays: Highly effective for nasal allergy symptoms like congestion, runny nose, sneezing, and itching. Contain corticosteroids like fluticasone propionate (Flonase Allergy Relief, Walgreens Nasal Spray), triamcinolone acetonide (Nasacort Allergy 24HR, Walgreens Nasal Spray), budesonide (Rhinocort Allergy Spray), and mometasone furoate (Nasonex 24HR Allergy, now OTC). These require consistent daily use for best results.

  • Allergy Eye Drops: Relieve itchy, red, watery eyes caused by allergens.

    • Antihistamine/Redness Reliever Combos: (e.g., Visine-A, Opcon-A, Naphcon-A). Use sparingly for redness relief.

    • Mast Cell Stabilizers/Antihistamines: Provide longer-lasting relief, often dosed once or twice daily (e.g., Zaditor, Alaway (both Ketotifen Fumarate), Pataday Once Daily Relief, Pataday Twice Daily Relief (both Olopatadine)). Walgreens often carries store-brand versions.

  • Sinus Rinse Kits/Neti Pots: Drug-free way to flush allergens and mucus from nasal passages using a saline solution (e.g., NeilMed Sinus Rinse, Walgreens Neti Pot Kit). Packets of saline mixture are also FSA-eligible.

• Digestive Health: Addressing common stomach and intestinal issues.

  • Antacids: Neutralize stomach acid for heartburn, indigestion, and sour stomach relief. Contain ingredients like calcium carbonate, magnesium hydroxide, aluminum hydroxide. Available as:

    • Chewable Tablets: (e.g., Tums, Rolaids, Walgreens Antacid Tablets).

    • Liquids: (e.g., Mylanta, Maalox, Walgreens Antacid Liquid).

  • Acid Reducers: Decrease stomach acid production.

    • H2 Blockers: Famotidine (Pepcid AC, Walgreens Acid Controller), Cimetidine (Tagamet HB).

    • Proton Pump Inhibitors (PPIs): Omeprazole (Prilosec OTC, Walgreens Omeprazole), Lansoprazole (Prevacid 24HR, Walgreens Lansoprazole), Esomeprazole (Nexium 24HR, Walgreens Esomeprazole). Typically used for frequent heartburn (occurring 2+ days a week).

  • Laxatives: For relief of constipation. Different types work in different ways:

    • Fiber/Bulk-Forming: (e.g., Metamucil (Psyllium), Citrucel (Methylcellulose), FiberCon (Calcium Polycarbophil), Walgreens Natural Fiber).

    • Stool Softeners: (e.g., Colace (Docusate Sodium), Walgreens Stool Softener).

    • Osmotic Laxatives: Draw water into the colon (e.g., MiraLAX (Polyethylene Glycol 3350), Walgreens ClearLax, Phillips’ Milk of Magnesia (Magnesium Hydroxide)).

    • Stimulant Laxatives: Trigger intestinal contractions (e.g., Dulcolax (Bisacodyl), Senokot (Sennosides), Walgreens Gentle Laxative). Generally for short-term use.

    • Suppositories/Enemas: Provide rapid relief (e.g., Fleet Enema, Dulcolax Suppositories, Walgreens Enema).

  • Anti-Diarrheal: Slow down gut movement. Key ingredient is loperamide (e.g., Imodium A-D, Walgreens Anti-Diarrheal). Also bismuth subsalicylate (Pepto-Bismol, Kaopectate), which treats diarrhea, heartburn, nausea, indigestion, and upset stomach. Available in liquids, caplets, chewables.

  • Gas Relief: Break down gas bubbles in the digestive tract. Main ingredient is simethicone (e.g., Gas-X, Phazyme, Mylanta Gas, Walgreens Gas Relief). Available in softgels, chewable tablets.

  • Motion Sickness Relief: Prevent or treat nausea, vomiting, and dizziness associated with motion.

    • Antihistamines: Meclizine (Bonine, Dramamine Less Drowsy), Dimenhydrinate (Dramamine Original), Diphenhydramine (Benadryl). Walgreens offers store-brand versions.

    • Acupressure Bands: Drug-free wristbands that apply pressure to a specific point (e.g., Sea-Band). Check eligibility with your plan, as some may consider them general wellness.

• Medicated Skin Care: Treatments for specific skin conditions, distinct from cosmetic products.

  • Acne Treatments: Products containing recognized acne-fighting ingredients.

    • Benzoyl Peroxide: Kills acne-causing bacteria (e.g., PanOxyl Wash, Clean & Clear Persa-Gel 10, Walgreens Benzoyl Peroxide Acne Spot Treatment). Available in various strengths (2.5% to 10%) in washes, creams, gels.

    • Salicylic Acid: Exfoliates skin and unclogs pores (e.g., Neutrogena Oil-Free Acne Wash, Stridex Pads, CeraVe SA Cleanser, Walgreens Salicylic Acid Cleansers/Treatments). Found in cleansers, toners, pads, spot treatments.

    • Adapalene Gel: A topical retinoid now available OTC (Differin Gel 0.1%, Walgreens Adapalene Gel). Regulates skin cell turnover.

    • Sulfur Treatments: Have anti-inflammatory and antibacterial properties (found in some masks and spot treatments).

  • Anti-Itch Treatments: Relieving itching from insect bites, poison ivy, rashes, or dry skin.

    • Hydrocortisone Cream/Ointment (0.5% or 1%): Reduces inflammation, redness, and itching (e.g., Cortizone-10, Walgreens Hydrocortisone Cream). Available in regular strength, maximum strength, and formulas with aloe or moisturizers.

    • Topical Antihistamines: (e.g., Benadryl Itch Stopping Cream/Gel/Spray).

    • Calamine Lotion: Soothes itching from poison ivy/oak/sumac, insect bites (e.g., Caladryl Clear, Walgreens Calamine Lotion).

    • Oatmeal Baths: Colloidal oatmeal preparations added to bathwater to soothe itchy, irritated skin (e.g., Aveeno Soothing Bath Treatment).

  • Antifungal Treatments: For athlete’s foot, jock itch, and ringworm. Contain ingredients like clotrimazole (Lotrimin AF Cream, Walgreens Clotrimazole), miconazole (Lotrimin AF Powder Spray, Micatin, Walgreens Miconazole), terbinafine (Lamisil AT Cream/Spray, Walgreens Terbinafine), tolnaftate (Tinactin Cream/Spray/Powder, Walgreens Tolnaftate). Available as creams, sprays, powders, and liquids. Nail fungus treatments are also often eligible.

  • Eczema & Psoriasis Care: Specialized lotions, creams, and washes designed to soothe, moisturize, and protect skin prone to eczema or psoriasis, often containing ingredients like colloidal oatmeal, ceramides, salicylic acid, or coal tar. (e.g., Eucerin Eczema Relief, Aveeno Eczema Therapy, CeraVe Psoriasis Cream, MG217 Psoriasis Treatment, Neosporin Eczema Essentials, Walgreens Eczema/Psoriasis Care lines).

  • Medicated Lip Balms: Lip balms specifically formulated to treat or prevent conditions like cold sores (containing docosanol, e.g., Abreva) or severely chapped/cracked lips (containing protectants like petrolatum, dimethicone along with analgesics like camphor/menthol, e.g., Carmex Medicated, Blistex Medicated Lip Ointment/Balm). Lip balms primarily for sun protection (SPF 30+) are also eligible (see Sun Care). General cosmetic lip balms are not.

  • Wart Removers: Treatments to remove common and plantar warts.

    • Salicylic Acid: Applied topically via liquids, gels, or pads (e.g., Compound W, Dr. Scholl’s Wart Removers, Walgreens Salicylic Acid Wart Remover).

    • Cryotherapy (Freezing): Home kits that use dimethyl ether and propane to freeze warts (e.g., Compound W Freeze Off, Dr. Scholl’s Freeze Away, Walgreens Freeze Wart Remover).

  • First Aid Antiseptics & Ointments: (Covered further under First Aid, but worth noting here) Hydrogen peroxide, isopropyl alcohol, iodine, antiseptic wipes, and antibiotic ointments (Neosporin, Polysporin, Walgreens Triple Antibiotic Ointment) are all eligible skin treatments for preventing infection in minor cuts, scrapes, and burns.

• First Aid Supplies: Essential for treating minor injuries at home. This is a broad and crucial category for FSA spending.

  • Bandages & Wound Dressings:

    • Adhesive Bandages: All shapes, sizes, and types (e.g., Band-Aid Brand, Curad, Walgreens Adhesive Bandages). This includes:

      • Plastic Strips: Standard everyday bandages.

      • Fabric Strips: Flexible and conform better to moving body parts.

      • Waterproof Bandages: Seal out water, dirt, and germs.

      • Sheer Strips: Less conspicuous appearance.

      • Specialty Shapes: Knuckle bandages, fingertip bandages, blister cushions (hydrocolloid), large adhesive pads.

      • Liquid Bandages: Create a protective seal over minor cuts or scrapes, good for awkward areas (e.g., New-Skin Liquid Bandage).

    • Gauze Pads & Rolls: Sterile pads for cleaning wounds or covering larger injuries. Available in various sizes (2×2, 3×3, 4×4 inches) and non-stick varieties (e.g., Johnson & Johnson Red Cross, Curad, Walgreens Gauze Pads). Rolled gauze secures dressings.

    • Medical Tape: Secures gauze pads and bandages. Types include:

      • Paper Tape: Gentle on skin, good for frequent changes.

      • Cloth Tape: Strong adhesion.

      • Waterproof Tape: Resists moisture.

      • Self-Adherent Wrap (Cohesive Bandage): Sticks to itself but not skin (e.g., Coban, Walgreens Self-Adherent Wrap). Often used for compression or securing splints.

  • Antiseptics & Cleansers: For cleaning wounds and preventing infection.

    • Antiseptic Wipes: Convenient, single-use wipes, often containing benzalkonium chloride or alcohol (e.g., Walgreens Antiseptic Towelettes).

    • Hydrogen Peroxide: Traditional antiseptic solution for wound cleaning.

    • Isopropyl Alcohol (Rubbing Alcohol): Used for cleaning skin before injections or sterilizing instruments, and sometimes for wound edges (use with caution on open wounds as it can damage tissue).

    • Povidone-Iodine: Antiseptic solution or swabs (e.g., Betadine).

    • Saline Wound Wash: Sterile saline solution in a spray can for gently flushing debris from wounds without stinging.

  • Antibiotic Ointments & Creams: Help prevent infection in minor cuts, scrapes, and burns. Contain ingredients like bacitracin, neomycin, and polymyxin B (e.g., Neosporin Original Ointment, Polysporin, Walgreens Triple/Double Antibiotic Ointment). Pain relief versions containing pramoxine are also eligible.

  • Burn Care:

    • Burn Relief Sprays/Gels: Often contain lidocaine for pain relief and cooling agents (e.g., Solarcaine Cool Aloe Burn Relief Formula Spray).

    • Burn Creams: May contain antiseptics or moisturizers specific for burn treatment.

    • Specialized Burn Dressings: Hydrogel dressings or pads designed to cool and protect burns.

  • Pain Relief: (Already covered, but crucial first aid) Oral pain relievers (acetaminophen, ibuprofen) and topical analgesics.

  • Cold & Hot Packs: Reusable or disposable packs for reducing swelling, inflammation (cold therapy) or soothing muscle aches and stiffness (heat therapy). Gel packs, clay packs, instant cold packs, instant heat packs, and electric heating pads are generally eligible (e.g., ThermaCare HeatWraps, Ace Brand Reusable Cold Compress, Walgreens Hot/Cold Packs).

  • Elastic Bandages & Supports: Provide compression and support for sprains, strains, and swelling (e.g., ACE Brand Elastic Bandages, Walgreens Elastic Bandages). Various widths available. (See also Health Supports & Braces).

  • First Aid Kits: Pre-assembled kits containing a variety of the above supplies are typically FSA-eligible. Check the contents to ensure they primarily consist of medical items. Walgreens offers various sizes of branded and store-brand first aid kits.

  • Medical Tools: Items like trauma shears (for cutting bandages/clothing), tweezers (for splinter removal), and disposable gloves are often included in kits or sold separately and are eligible.

2. Prescription Medications: A Core Medical Expense

While OTC medications offer convenience, prescription drugs remain a significant healthcare cost for many. Your FSA can be used to cover out-of-pocket costs associated with prescriptions filled at the Walgreens pharmacy.

• Copayments: The fixed amount you pay for a prescription after your insurance has paid its share.

• Deductibles: If your health plan has a prescription deductible, you can use FSA funds to pay for prescriptions until the deductible is met.

• Coinsurance: The percentage of the prescription cost you are responsible for after meeting your deductible.

• Full Cost (If Uninsured or Not Covered): In some cases, if a prescription isn’t covered by your insurance or if you are uninsured, the full cost paid at the pharmacy using FSA funds may be eligible (consult plan rules).

Simply use your FSA debit card when paying for your prescriptions at the Walgreens pharmacy counter, or submit receipts for reimbursement if you pay through other means.

3. Medical Monitoring & Testing Devices: Empowering Home Healthcare

Devices that help monitor vital signs, manage chronic conditions, or test for specific health states are generally FSA-eligible. Walgreens offers a wide selection.

• Blood Glucose Monitors & Supplies: Essential for individuals managing diabetes.

  • Blood Glucose Meters: Devices that read blood sugar levels (e.g., OneTouch Verio/Ultra, Accu-Chek Guide/Aviva, Contour Next EZ/One, Walgreens True Metrix/Premium). Many modern meters offer features like Bluetooth connectivity to sync with apps.

  • Blood Glucose Test Strips: Specific strips compatible with the chosen meter. These often represent the largest ongoing cost.

  • Lancets & Lancing Devices: Lancets are the small needles used to prick the finger; the lancing device holds the lancet. Various gauges (thickness) are available for comfort.

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

  • Continuous Glucose Monitors (CGMs): Systems like Dexcom or Freestyle Libre often require a prescription but associated sensors and transmitters purchased at the pharmacy may be FSA-eligible. Check plan details.

• Blood Pressure Monitors: Crucial for monitoring hypertension.

  • Upper Arm Monitors: Generally considered the most accurate type. Cuff size is important for accurate readings (standard and large cuffs available) (e.g., Omron Silver/Gold/Platinum series, Walgreens Arm Blood Pressure Monitors – Basic, Premium, Bluetooth enabled).

  • Wrist Monitors: More portable but require precise positioning for accuracy (e.g., Omron Wrist Monitors, Walgreens Wrist Blood Pressure Monitors).

  • Accessories: Replacement cuffs, AC adapters (if not included).

• Thermometers: For checking body temperature during illness.

  • Digital Stick Thermometers: Oral, rectal, or axillary (underarm) use. Basic, fast-read options available (e.g., Vicks SpeedRead, Walgreens Digital Thermometers).

  • Ear Thermometers: Measure temperature in the ear canal (e.g., Braun ThermoScan). Requires disposable probe covers (also FSA-eligible).

  • Forehead Thermometers: Non-contact or temporal artery scanners (e.g., Exergen Temporal Scanner, Braun No Touch + Forehead, Walgreens Forehead Thermometers). Convenient, especially for children.

• Cholesterol Testing: Home test kits that measure total cholesterol, HDL, LDL, and triglycerides may be eligible. Walgreens carries select brands (e.g., Checkable Cholesterol, specific store brands).

• Pulse Oximeters: Measure blood oxygen saturation levels (SpO2) and pulse rate. Clip onto a fingertip. Became widely popular for monitoring respiratory illness (e.g., Walgreens Pulse Oximeter, various brands).

• Pregnancy Tests: Detect the presence of the pregnancy hormone (hCG) in urine. Various sensitivities and result displays (line, digital) are available (e.g., First Response, Clearblue, E.P.T., Walgreens Pregnancy Tests). Both early result and standard tests are eligible.

• Ovulation Predictor Kits & Fertility Monitors: Help predict fertile days by detecting hormone surges (LH surge) in urine. Kits include test sticks; monitors may be digital devices tracking cycles (e.g., Clearblue Ovulation Tests/Fertility Monitor, First Response Ovulation Tests, Walgreens Ovulation Predictor). Basal body thermometers used for fertility tracking are also eligible.

• Drug Testing Kits: Home kits for detecting the presence of specific drugs may be FSA-eligible, particularly if needed for a medical reason or required testing program. Check plan rules for specifics. Walgreens offers various single-panel and multi-panel kits.

4. Health Supports & Braces: Stabilizing and Protecting

Supports and braces designed to prevent or treat injuries, alleviate pain from conditions like arthritis, or provide stability post-surgery are qualified medical expenses.

• Back Braces & Supports: For lower back pain, sciatica, post-operative support. Varying levels of support from flexible belts to rigid braces with stays (e.g., Ace Brand Back Supports, Mueller Back Braces, Walgreens Back Supports).

• Knee Braces & Supports: For arthritis, ligament sprains (ACL, MCL), meniscus tears, patellar tracking issues, general knee pain. Includes sleeves, wraparound braces, hinged braces, patella straps (e.g., Ace Brand Knee Braces, Mueller Knee Supports, Neo G, Futuro, Walgreens Knee Supports).

• Ankle Braces & Supports: For sprains, instability, arthritis, Achilles tendonitis. Lace-up braces, stirrup braces, compression sleeves, figure-8 straps (e.g., Ace Brand Ankle Braces, Mueller Ankle Supports, Walgreens Ankle Supports).

• Wrist Braces & Supports: For carpal tunnel syndrome, sprains, tendonitis, arthritis, post-cast support. Splinted braces (often with metal or plastic stays), wraparound supports, compression sleeves (e.g., Ace Brand Wrist Braces, Mueller Wrist Supports, Futuro, Walgreens Wrist Supports – night splints often recommended for carpal tunnel).

• Elbow Supports & Straps: For tennis elbow (lateral epicondylitis) and golfer’s elbow (medial epicondylitis). Counterforce straps, compression sleeves (e.g., Ace Brand Elbow Supports, Mueller Elbow Straps, Walgreens Tennis Elbow Support).

• Compression Hosiery & Socks: Medically necessary compression garments for conditions like varicose veins, lymphedema, post-surgery recovery, deep vein thrombosis (DVT) prevention, or severe edema. Require specific compression levels (e.g., 15-20 mmHg, 20-30 mmHg, 30-40 mmHg). Brands like Jobst, Sigvaris, Truform, and specialized Walgreens Compression Socks/Hosiery are eligible. Note: General athletic compression socks without a medical purpose are usually not eligible.

• Neck Braces (Cervical Collars): Soft or rigid collars to support the neck after injury or surgery, or for chronic neck pain. Usually requires recommendation but OTC soft collars are available (e.g., Walgreens Soft Cervical Collar).

• Shoulder Immobilizers/Slings: To support the arm and shoulder after injury (fracture, dislocation, rotator cuff issues) or surgery.

• Hernia Belts: Provide support for abdominal hernias.

• Rib Belts: Offer compression and support for fractured or bruised ribs.

5. Mobility Aids: Enhancing Independence

Devices that assist with walking or mobility due to injury, disability, or age are typically FSA-eligible. Walgreens carries basic mobility aids.

• Canes: Single-point, quad canes (small or large base for more stability), folding canes. Adjustable height is a key feature. Offset handles offer better ergonomics (e.g., Drive Medical Canes, Walgreens Canes). Cane tips and ice grips are also eligible accessories.

• Crutches: Underarm crutches (require proper fitting for height and handgrip position) and forearm crutches. Lightweight aluminum is common (e.g., Drive Medical Crutches, Walgreens Crutches). Crutch pads (underarm/handgrip) and tips are eligible accessories.

• Walkers: Standard walkers (require lifting with each step), two-wheeled walkers (allow rolling the front legs), four-wheeled walkers (rollators) with seats and brakes. Folding walkers are convenient for transport and storage (e.g., Drive Medical Walkers/Rollators, Walgreens Walkers/Rollators). Walker accessories like baskets, trays, and ski glides are also eligible.

• Walking Boots (Fracture Boots): Used to immobilize the foot and ankle after fractures, severe sprains, or surgery. Available in tall and short versions, often with air bladders for adjustable compression.

• Wheelchair Accessories: While the wheelchair itself often requires a prescription or Letter of Medical Necessity (LOMN), certain accessories purchased separately at Walgreens might be eligible, such as:

  • Seat Cushions: For pressure relief and comfort.

  • Back Cushions: For support.

  • Bags/Pouches: Attachable storage.

  • Cup Holders.

  • Check your specific plan for eligibility rules regarding wheelchair accessories.

6. Eye Care: Vision Health Essentials

Expenses related to correcting or treating vision problems are qualified medical expenses.

• Contact Lenses & Solutions:

  • Prescription Contact Lenses: Daily disposables, bi-weekly, monthly lenses. Toric lenses (for astigmatism), multifocal lenses (for presbyopia). Purchases require a valid prescription. Walgreens partners with services for ordering contacts, or you might purchase them elsewhere and seek reimbursement.

  • Contact Lens Solutions: Essential for cleaning, disinfecting, and storing reusable lenses.

    • Multi-Purpose Solutions: Clean, rinse, disinfect, and store (e.g., Opti-Free Puremoist/Replenish, Biotrue, ReNu Advanced, Walgreens Multi-Purpose Solution).

    • Hydrogen Peroxide Systems: Provide deep cleaning but require neutralization before lens insertion (e.g., Clear Care, Clear Care Plus with HydraGlyde). Includes special case.

    • Saline Solution: For rinsing lenses (not disinfecting) (e.g., Walgreens Saline Solution).

    • Rewetting Drops: Lubricate lenses and relieve dryness while wearing contacts (e.g., Refresh Contacts, Systane Contacts, Blink Contacts, Walgreens Rewetting Drops).

  • Contact Lens Cases: Essential for storing lenses hygienically; should be replaced regularly.

• Prescription Eyeglasses & Sunglasses: Frames and lenses prescribed to correct vision are FSA-eligible. This includes single vision, bifocal, trifocal, and progressive lenses. Lens coatings like anti-reflective, scratch-resistant, and UV protection added to prescription lenses are also eligible. Prescription sunglasses also qualify. You might utilize Walgreens Optical services or purchase elsewhere and submit for reimbursement.

• Eye Drops (Medicated):

  • Lubricant Eye Drops (Artificial Tears): For treating dry eye syndrome. Many formulations available (preservative-free vials, gel drops, lipid-based drops) (e.g., Systane Ultra/Complete/Gel, Refresh Optive/Plus/Tears, Retaine MGD, TheraTears, Walgreens Eye Drops).

  • Allergy Eye Drops: (Covered under Allergy Relief) Ketotifen, Olopatadine drops.

  • Redness Reliever Eye Drops: Contain vasoconstrictors like tetrahydrozoline, naphazoline (e.g., Visine Red Eye, Walgreens Redness Reliever). Use sparingly as overuse can cause rebound redness. Newer low-dose brimonidine drops (Lumify) are also eligible.

• Reading Glasses: Non-prescription “readers” or “cheaters” used to magnify text for presbyopia are generally FSA-eligible. Walgreens offers a wide variety of styles and magnification strengths.

• Eye Masks/Compresses: Medicated or specifically designed for treating conditions like blepharitis, styes, or dry eye (e.g., heated eye masks). Check plan specifics.

7. Hearing Care: Supporting Auditory Health

While hearing aids themselves often have specific purchase requirements (prescription, LOMN, potentially only through specialized providers depending on your FSA plan), certain related supplies are readily available at Walgreens and FSA-eligible.

• Hearing Aid Batteries: Zinc-air batteries in various sizes (10, 13, 312, 675) used to power most hearing aids (e.g., Rayovac, Duracell, Energizer, Walgreens Hearing Aid Batteries). Check for multi-packs for better value.

• Hearing Aid Cleaning Supplies: Tools and solutions to maintain hearing aid function and hygiene.

  • Cleaning Brushes/Tools: To remove wax and debris.

  • Wax Guards/Filters: Disposable parts that prevent wax from entering the hearing aid receiver. Specific to hearing aid models.

  • Drying Kits/Dehumidifiers: Electronic or desiccant-based systems to remove moisture, prolonging hearing aid life (e.g., Dry & Store, hearing aid saver jars with desiccant bricks).

  • Cleaning Wipes/Sprays: Specifically formulated for hearing aids.

• Personal Sound Amplifiers (PSAPs): Generally NOT FSA-eligible as they are considered sound amplifiers for non-hearing-impaired individuals, unlike hearing aids which are medically necessary devices prescribed for hearing loss. There can be grey areas, so always confirm with your plan administrator.

8. Foot Care (Medicated & Supportive): Addressing Foot Ailments

Many foot care products go beyond basic hygiene and address specific medical conditions, making them FSA-eligible.

• Antifungal Treatments: For Athlete’s Foot (tinea pedis) and nail fungus (onychomycosis). (Also covered under Skin Care) Creams, sprays, powders, liquids with clotrimazole, miconazole, terbinafine, tolnaftate. Nail fungus treatments often come as liquids applied with a brush (e.g., Fungi-Nail, Kerasal).

• Corn & Callus Removers/Pads:

  • Medicated Products: Usually contain salicylic acid to break down thickened skin. Available as liquids, gels, or medicated pads/plasters (e.g., Dr. Scholl’s Corn/Callus Removers, Compound W Wart Remover for Feet, Walgreens Medicated Corn/Callus products).

  • Protective Pads (Non-Medicated): Moleskin, foam, or gel pads designed to cushion corns and calluses to relieve pressure and pain are also generally eligible.

• Bunion Care:

  • Bunion Cushions/Pads: Provide cushioning and protection over the bunion area.

  • Toe Spacers/Separators/Splints: Help align the big toe and relieve pressure.

• Wart Removers (Plantar): (Also covered under Skin Care) Salicylic acid treatments or freezing kits specifically designed for tougher plantar warts on the soles of the feet.

• Arch Supports & Orthotic Insoles: This can be a tricky area.

  • Custom Orthotics: Prescribed by a podiatrist are definitely FSA-eligible.

  • Over-the-Counter Insoles: Eligibility depends on whether they are for treating a specific medical condition (e.g., plantar fasciitis, severe pronation, diabetic foot care) versus general comfort or athletic performance. Insoles specifically marketed for conditions like plantar fasciitis (Dr. Scholl’s Plantar Fasciitis Orthotics, PowerStep Pinnacle, Superfeet) are often eligible, but it’s best practice to check with your FSA administrator or obtain a Letter of Medical Necessity (LOMN) if unsure. Basic comfort insoles are generally not eligible. Walgreens offers a wide range including Dr. Scholl’s Custom Fit Kiosk inserts (check eligibility) and various store-brand supports.

• Foot Creams (Medicated): Creams specifically for cracked heels containing high concentrations of urea or salicylic acid, or diabetic foot creams designed to address specific skin issues related to diabetes, are often eligible. General moisturizing foot creams are typically not.

• Ingrown Toenail Relief: Products designed to soften the nail or lift the edge may be eligible. Antiseptic solutions to prevent infection are also eligible.

• Blister Treatment: Hydrocolloid blister bandages provide cushioning and promote healing (e.g., Band-Aid Brand Hydro Seal Blister Cushions, Compeed).

9. Feminine Hygiene Products: Essential Care

As mandated by the CARES Act, products specifically for absorbing or containing menstrual flow are now FSA-eligible. Walgreens carries a comprehensive selection.

• Tampons: All absorbencies (light, regular, super, super plus, ultra) and types (cardboard applicator, plastic applicator, applicator-free/digital). Brands like Tampax, Playtex, Kotex, o.b., L., and Walgreens brands.

• Pads (Sanitary Napkins): Various lengths, absorbencies (light, regular, heavy, overnight), and features (wings, ultra-thin, maxi). Brands like Always, Kotex, Stayfree, L., and Walgreens brands.

• Menstrual Cups: Reusable, bell-shaped cups inserted into the vagina to collect flow. Made of medical-grade silicone or latex (e.g., DivaCup, Saalt Cup, Lunette Cup, Flex Cup – Walgreens selection varies). Cup washes specifically for cleaning menstrual cups are also eligible.

• Period Panties: Reusable underwear with built-in absorbent layers. Brands like Thinx (sometimes available online or partnered) or similar concepts if stocked by Walgreens. Check specific product eligibility.

• Pantiliners: For light flow, spotting, or daily discharge management. Various sizes and absorbencies.

• Medicated Treatments:

  • Yeast Infection Treatments: OTC antifungal creams, suppositories, and tablets containing miconazole, clotrimazole, or tioconazole (e.g., Monistat 1, 3, or 7 day treatments, Walgreens Miconazole/Clotrimazole).

  • Anti-Itch Creams: External creams specifically for feminine itching, sometimes containing hydrocortisone or benzocaine (e.g., Vagisil Anti-Itch Creme).

  • Medicated Wipes: Wipes specifically for cleansing during infections or irritation.

10. Family Planning: Reproductive Health Choices

Certain items related to contraception and conception are FSA-eligible.

• Condoms: Male condoms (latex, polyurethane, polyisoprene) used for contraception and prevention of sexually transmitted infections are FSA-eligible. Various brands (Trojan, Durex, Lifestyles, Skyn) and styles are available at Walgreens. Female condoms are also eligible if available.

• Contraceptive Foams/Gels/Suppositories: Spermicidal products used for contraception (e.g., VCF Vaginal Contraceptive Film/Gel). Note: Prescription contraceptives like birth control pills, patches, rings, IUDs, etc., fall under Prescription Medication costs (copays/deductibles).

• Pregnancy Tests: (Covered under Medical Monitoring).

• Ovulation Predictor Kits/Fertility Monitors: (Covered under Medical Monitoring).

• Basal Body Thermometers: Used for natural family planning/fertility awareness methods. High-precision thermometers that measure temperature to 1/10th or 1/100th of a degree.

11. Baby & Child Care (Medical Focus): Health Essentials for Little Ones

While general baby items like clothing or standard diapers are not eligible, many health-related products for infants and children qualify.

• Baby Thermometers: Digital, ear, or forehead thermometers suitable for infants and children (Covered under Medical Monitoring).

• Nasal Aspirators: Bulb syringes or tube-style aspirators (like NoseFrida the Snotsucker) used to clear mucus from a baby’s nose. Saline drops/sprays specifically for infants/children used in conjunction are also eligible.

• Diaper Rash Creams (Medicated): Ointments and creams containing zinc oxide or petrolatum specifically labeled for the treatment (not just prevention) of diaper rash (e.g., Desitin Maximum Strength, Boudreaux’s Butt Paste Maximum Strength, A+D Ointment, Walgreens Zinc Oxide Ointment). General prevention creams might be borderline; focus on treatment products.

• Electrolyte Solutions: Oral rehydration solutions to prevent dehydration due to diarrhea or vomiting (e.g., Pedialyte, Enfalyte, Walgreens Pediatric Electrolyte Solution). Available as liquids, powders, and freezer pops.

• Children’s Pain & Fever Reducers: Infant and children’s formulations of acetaminophen (e.g., Children’s Tylenol, Infants’ Tylenol, Walgreens Children’s Pain & Fever) and ibuprofen (e.g., Children’s Motrin, Infants’ Motrin, Walgreens Children’s Ibuprofen). Dosed based on weight/age; available in liquids, chewables, dissolving tablets. Dosing syringes/cups included are also eligible.

• Children’s Cold & Cough Medicines: Formulations specifically for children, often combining decongestants, cough suppressants, expectorants, or antihistamines appropriate for pediatric use. Brands like Children’s Mucinex, Children’s Robitussin DM, Dimetapp, Children’s Vicks NyQuil/DayQuil, Walgreens Children’s Cold/Cough lines. Always check age restrictions and consult a pediatrician.

• Children’s Allergy Relief: Liquid or chewable forms of antihistamines like loratadine, cetirizine, fexofenadine, or diphenhydramine formulated for children (e.g., Children’s Claritin, Children’s Zyrtec, Children’s Allegra, Children’s Benadryl, Walgreens Children’s Allergy).

• Teething Pain Relief: This can be tricky. Traditionally, topical numbing agents containing benzocaine were used, but the FDA advises against these for infants due to risks. Oral pain relievers (acetaminophen/ibuprofen) are the recommended medical treatment. Non-medicated teething rings or toys are generally not FSA-eligible. Check specific product labeling and consult plan rules. Homeopathic teething remedies are often not eligible.

• Baby Sunscreen: Sunscreen specifically formulated for babies and children (often mineral-based with zinc oxide/titanium dioxide) with SPF 30 or higher and Broad Spectrum protection is FSA-eligible (See Sun Care).

• Breast Pumps & Supplies: Essential for nursing mothers.

  • Breast Pumps: Manual or electric (single or double) breast pumps are FSA-eligible. Walgreens carries brands like Medela, Lansinoh, Evenflo, possibly Spectra online. Eligibility might depend on your plan (some cover one pump per birth through insurance directly).

  • Breast Pump Supplies: Replacement parts like tubing, breast shields (flanges) in different sizes, valves, membranes, collection bottles, and milk storage bags specifically for use with a breast pump are generally eligible.

  • Nursing Pads: Disposable or reusable pads worn inside the bra to absorb leakage are often considered eligible as related to lactation.

  • Nipple Creams: Creams containing purified lanolin (Lansinoh HPA Lanolin) or other medical-grade ingredients for treating sore or cracked nipples due to breastfeeding are typically eligible. General moisturizers are not.

12. Sun Care: Protecting Your Skin Medically

Sun protection products are FSA-eligible provided they meet specific criteria, focusing on medical protection rather than cosmetic tanning.

• Sunscreen: Must have an Sun Protection Factor (SPF) of 30 or higher AND be Broad Spectrum (protecting against both UVA and UVB rays). This applies to lotions, creams, sprays, sticks. Available for adults and children, including sensitive skin and baby formulations (mineral-based). Brands like Neutrogena, Coppertone Sport/Water Babies, Banana Boat, Blue Lizard, Aveeno Protect + Hydrate, CeraVe Sunscreen, La Roche-Posay Anthelios, and Walgreens brand sunscreens meeting the SPF/Broad Spectrum criteria are eligible. Sunscreens with SPF below 30 or those primarily for tanning (e.g., tanning oils with low SPF) are NOT eligible.

• Lip Balm with Sun Protection: Lip balms must have SPF 30 or higher to be eligible (e.g., Banana Boat Sport Performance Lip Balm SPF 50, certain Coppertone or Neutrogena lip products). Medicated lip balms (covered earlier) are also eligible regardless of SPF. Cosmetic lip balms without SPF 30+ or medication are not.

• After-Sun Care (for Sunburn Treatment): Products specifically designed to treat sunburn, often containing aloe vera combined with a pain reliever like lidocaine (e.g., Solarcaine Cool Aloe Burn Relief Formula Spray/Gel), are generally eligible as they treat a specific skin injury (sunburn). Basic aloe vera gel without added medication might be borderline; focus on products labeled for burn relief. General moisturizers are not eligible.

13. Smoking Cessation Products: Kicking the Habit

Products designed to help individuals quit smoking by delivering controlled doses of nicotine are FSA-eligible.

• Nicotine Patches: Transdermal patches deliver nicotine through the skin over 16 or 24 hours. Available in different strengths (Step 1, 2, 3) to allow gradual reduction (e.g., NicoDerm CQ, Walgreens Nicotine Patches).

• Nicotine Gum: Chewing gum releases nicotine as it’s chewed. Available in 2mg and 4mg strengths, often with different flavors (e.g., Nicorette Gum, Walgreens Nicotine Gum).

• Nicotine Lozenges: Dissolve slowly in the mouth to release nicotine. Available in 2mg and 4mg strengths, regular and mini sizes, various flavors (e.g., Nicorette Lozenges/Mini Lozenges, Walgreens Nicotine Lozenges).

• Note: Prescription smoking cessation medications (like Chantix or Zyban) would fall under Prescription Medication costs. E-cigarettes and vaping products are generally NOT FSA-eligible.

14. CPAP Machine Supplies: Supporting Sleep Apnea Treatment

While the Continuous Positive Airway Pressure (CPAP) machine itself typically requires a prescription and may be obtained through durable medical equipment (DME) suppliers, many essential supplies needed for its use can be purchased at Walgreens and are FSA-eligible.

• CPAP Masks: Nasal masks, nasal pillows, full-face masks. Replacement masks or cushions are needed regularly. Walgreens may carry select brands or types.

• CPAP Tubing/Hoses: The flexible hose connecting the machine to the mask.

• CPAP Filters: Disposable filters (fine, ultra-fine, pollen) that need regular replacement to keep the air clean. Specific to the CPAP machine model.

• CPAP Mask Wipes & Cleaning Solutions: Specially formulated wipes or soaps for cleaning masks and tubing to prevent bacterial buildup and skin irritation.

• CPAP Humidifier Chambers: Replacement water chambers for integrated humidifiers.

• Chin Straps: Used by some CPAP users (especially with nasal masks/pillows) to help keep the mouth closed during sleep.

15. Diabetic Supplies (Beyond Testing): Managing Diabetes Holistically

In addition to blood glucose monitoring supplies, other items necessary for diabetes management are eligible.

• Insulin Syringes & Pen Needles: If required for insulin injection (insulin itself is prescription). Various gauges and lengths available. Requires careful selection based on insulin type and dosage.

• Sharps Containers: Safe disposal containers for used lancets, syringes, and pen needles are FSA-eligible medical necessities. Walgreens offers various sizes.

• Glucose Tablets & Gels: Used to quickly raise blood sugar levels during hypoglycemic episodes. Various flavors available (e.g., Dex4, Walgreens Glucose Tablets).

• Diabetic Socks: Non-binding, moisture-wicking socks designed to promote circulation and protect sensitive feet common in diabetics. Should be specifically marketed as “diabetic socks” (e.g., Dr. Scholl’s Diabetes & Circulatory Socks, Walgreens Diabetic Socks).

• Skin Creams for Diabetics: Lotions and creams formulated to address severe dry skin often experienced by individuals with diabetes, helping to prevent cracking and potential infections.

16. Advanced Wound Care: Specialized Healing Products

Beyond basic bandages, Walgreens may stock more advanced wound care dressings, often recommended for specific types of wounds (ulcers, post-surgical, burns).

• Hydrocolloid Dressings: Create a moist wound environment, promote healing, protect the wound (e.g., Tegaderm Hydrocolloid, Duoderm CGF – often behind pharmacy counter or special order).

• Alginate Dressings: Highly absorbent, used for wounds with moderate to heavy drainage.

• Foam Dressings: Provide absorption and cushioning.

• Transparent Film Dressings: Allow wound visibility, provide a bacterial barrier (e.g., Tegaderm Film).

• Wound Cleansers: Sterile solutions specifically for irrigating and cleaning more complex wounds.

17. Diagnostic Products (Home Use): Basic Assessment Tools

Certain basic diagnostic tools used for home medical assessment can be FSA-eligible.

• Stethoscopes: Basic stethoscopes for listening to heart, lung, or bowel sounds (e.g., basic Sprague Rappaport type or Littmann basics if stocked).

• Otoscopes (Home Use): Devices for looking into the ear canal. Home-use models are available (e.g., Dr. Mom Otoscope). Might require checking plan specifics. Penlights used for medical examination (e.g., pupil response) may also qualify.

Items Generally NOT FSA-Eligible at Walgreens

It’s equally important to know what typically doesn’t qualify to avoid claim denials or needing to repay your FSA. Unless prescribed by a doctor for a specific medical condition (requiring a Letter of Medical Necessity – LOMN), the following are usually not eligible:

• Cosmetics: Makeup, nail polish, perfumes, non-medicated skin lotions/creams, anti-aging creams, hair removal products (wax, depilatories).

• General Toiletries: Regular shampoo, conditioner, soap, body wash, deodorant, non-medicated toothpaste, mouthwash (unless specifically for treating gingivitis or other condition), dental floss (sometimes debated, check plan; often considered general hygiene).

• Vitamins & Supplements (for General Health): Multivitamins, Vitamin C, Vitamin D, herbal supplements, probiotics, etc., taken for general wellness are not eligible without an LOMN for a diagnosed deficiency or specific medical condition.

• General Health Foods: Healthy food items, diet foods, meal replacements, protein shakes (unless qualifying as sole source nutrition under medical supervision with LOMN).

• Exercise Equipment: Dumbbells, resistance bands, treadmills, etc. (unless prescribed via LOMN for physical therapy/rehabilitation for a specific condition).

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

• Non-Medicated Lip Balm: Basic lip balm purely for moisturizing without SPF 30+ or medication.

• Standard Diapers: Regular infant diapers or adult incontinence diapers used for convenience rather than a specific medical necessity documented by LOMN (though this can vary by plan for adult incontinence). Medically necessary diapers might qualify.

• Massage Devices (General Relaxation): Devices used for general well-being or relaxation, not targeted medical therapy (some exceptions might exist with LOMN for specific conditions).

• Air Conditioners/Humidifiers/Air Purifiers (General Comfort): Unless LOMN confirms needed for a specific respiratory condition (e.g., severe allergies, asthma).

Crucial Note on Dual-Purpose Items: Some items can be used for general health OR a specific medical condition (e.g., vitamins, orthopedic shoes, certain supports, humidifiers). For these, eligibility often hinges on having a Letter of Medical Necessity (LOMN) from your doctor stating the item is needed to treat a diagnosed medical condition. Always consult your FSA plan administrator for clarification on dual-purpose items and LOMN requirements.

Strategic Spending: Tips for Maximizing Your FSA Funds at Walgreens

Simply knowing what’s eligible isn’t enough; strategic planning helps you make the most of your pre-tax dollars before they potentially expire.

1. Plan Ahead & Estimate Expenses: At the beginning of your plan year (or during open enrollment), try to estimate your predictable medical expenses. Consider regular prescription copays, anticipated needs (like allergy season supplies, contact lenses), and potential unexpected costs (first aid for active families). This helps determine your contribution amount and guides spending.

2. Leverage Walgreens’ Tools: Actively use the “FSA Eligible” filter on Walgreens.com or the app when browsing. Pay attention to in-store shelf tags. This saves time and reduces guesswork.

3. Stock Up Strategically (Mind Expiration Dates): If you know you’ll need certain items throughout the year (pain relievers, allergy meds, first aid supplies), consider buying them with FSA funds when convenient or on sale. However, always check expiration dates to ensure you’ll use them before they expire, especially if buying near your plan’s deadline.

4. Keep Meticulous Records: Always keep your Walgreens receipts (physical or digital) for FSA purchases. While FSA debit cards often auto-substantiate eligible items via IIAS, sometimes your administrator may request documentation. Clear receipts listing the items purchased are essential proof. Digital receipts via the Walgreens app can be very helpful.

5. Understand Your Plan’s Deadline: Most FSAs have a “Use It or Lose It” rule, meaning unused funds are forfeited after the plan year ends. Some plans offer a Grace Period (up to 2.5 extra months to spend funds) or a Carryover (allowing a limited amount, e.g., $610 for 2023 plans, $640 for 2024 plans, indexed annually, to roll into the next year). Know your specific plan’s rules and deadlines to avoid losing money. Walgreens is a great place for last-minute eligible purchases if facing a deadline.

6. Prioritize Higher-Cost Eligible Items: If you need items like a blood pressure monitor, breast pump, or a large supply of contact lenses, using FSA funds provides significant pre-tax savings on these bigger purchases. Plan these acquisitions within your FSA year.

7. Combine FSA with Walgreens Sales & Rewards: You can often use your FSA debit card even when items are on sale at Walgreens. Furthermore, using your myWalgreens rewards account simultaneously allows you to earn rewards points or Walgreens Cash on eligible purchases (though the payment comes from your FSA). Check your FSA plan rules, but typically this is allowed as rewards are considered discounts applied post-tax status determination.

8. Don’t Hesitate to Ask: If unsure about an item’s eligibility, ask a Walgreens pharmacist (especially for OTC meds/health items) or, even better, contact your FSA plan administrator directly. They are the ultimate authority on your specific plan’s rules.

9. Review Your FSA Plan Documents: Your employer provides Summary Plan Descriptions (SPDs) or other documents outlining the specifics of your FSA. Refer to these for definitive rules regarding eligibility, deadlines, grace periods, carryovers, and substantiation requirements.

10. Think Beyond Products: Remember that FSA funds can often cover eligible healthcare services, potentially including copays for visits to Walgreens Healthcare Clinics, vaccination costs (if not fully covered by insurance), and prescription costs filled at the pharmacy.

Using Your FSA Card at Walgreens: The Checkout Process

Paying with your FSA debit card at Walgreens is typically straightforward:

1. Separate Items (Recommended): While IIAS systems are sophisticated, it’s often helpful to separate your FSA-eligible items from non-eligible items (like groceries or cosmetics) during checkout. This can simplify the transaction.

2. Swipe the Card: Present your FSA debit card like any other credit or debit card.

3. IIAS Verification: The Walgreens point-of-sale system, linked to an IIAS database, will attempt to automatically identify and approve known eligible items based on their Universal Product Code (UPC).

4. Potential Declines/Partial Authorization: If you have non-eligible items in the transaction, the card will likely decline that portion, requiring another form of payment. Sometimes, even eligible items might not be recognized by the system (rare, but possible).

5. Substantiation Requests: Even if the card works, your FSA administrator might later request documentation (receipts) to verify the purchase, especially for items that could be dual-purpose or if the IIAS system flags something. Always keep your receipts.

6. Manual Claims: If you don’t use an FSA debit card, or if a purchase is initially denied but you believe it’s eligible (and can provide documentation like an LOMN if needed), you can pay out-of-pocket and submit a claim form along with your Walgreens receipt to your FSA administrator for reimbursement.

Walgreens Services and Your FSA

Beyond products, consider how Walgreens services might align with your FSA:

• Walgreens Pharmacy: As detailed earlier, copays, deductibles, and coinsurance for prescription medications are prime candidates for FSA spending.

• Walgreens Healthcare Clinics (formerly Take Care Clinics): If you visit an in-store clinic for diagnosis or treatment of minor illnesses or injuries, or for monitoring services (like blood pressure checks), your copay or the cost of the service (if paying directly) is typically an FSA-eligible medical expense.

• Vaccinations: Costs associated with vaccines (flu shots, shingles vaccines, travel immunizations, etc.) that are not fully covered by your insurance plan are generally FSA-eligible. Walgreens offers a wide range of immunizations.

Navigating Potential Confusion: Dual Purpose and LOMNs

The most common area of confusion involves “dual-purpose” items – those that can be used for general health/wellness OR to treat a specific medical condition. Examples include:

• Vitamins (general health vs. treating diagnosed deficiency)

• Orthopedic Shoes/Insoles (general comfort vs. treating plantar fasciitis)

• Humidifiers (room comfort vs. treating respiratory condition)

• Massage Guns (relaxation vs. prescribed physical therapy adjunct)

For these items, FSA eligibility almost always requires a Letter of Medical Necessity (LOMN) from a healthcare provider. The LOMN must state:

1. What medical condition the item is treating.

2. That the item is necessary to treat that specific condition.

3. How the item will treat the condition.

4. The recommended duration of treatment/use.

Without an LOMN, claims for dual-purpose items are likely to be denied. If considering such a purchase at Walgreens with FSA funds, proactively secure an LOMN or confirm the requirement with your FSA administrator.

Staying Current: FSA Rules Can Evolve

While this guide provides comprehensive information based on current understanding and regulations like the CARES Act, it’s important to remember that IRS guidelines and specific FSA plan rules can occasionally change. Always refer to the latest IRS Publication 502 (Medical and Dental Expenses) and your specific plan documents for the most up-to-date information. Periodically checking your FSA administrator’s website or resources is also advisable.

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Conclusion

Maximizing your Flexible Spending Account is a smart financial strategy for managing healthcare costs, and Walgreens provides an exceptionally convenient and comprehensive marketplace for utilizing these pre-tax funds. From everyday over-the-counter medications and first aid supplies to medical devices, specialized supports, and even prescription costs, the range of FSA-eligible items available at Walgreens is extensive. By understanding the fundamental rules of eligibility, leveraging the tools Walgreens offers to identify qualified products, planning your spending strategically, and keeping meticulous records, you can ensure that your FSA dollars work effectively for your health and well-being. We hope this exhaustive guide serves as your go-to resource for confidently navigating FSA spending at Walgreens, helping you save money while taking care of your health needs. Remember to consult your specific plan documents and administrator for definitive rulings, especially regarding deadlines and potentially dual-purpose items. Make every FSA dollar count towards a healthier you.

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Frequently Asked Questions

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**Q1: Are vitamins purchased at Walgreens FSA-eligible?**

**A1:** Generally, no. Vitamins and supplements taken for general health or wellness are typically not FSA-eligible. However, if your doctor prescribes a specific vitamin or supplement to treat a diagnosed medical condition (like iron supplements for anemia or prenatal vitamins), they can be eligible if you obtain a Letter of Medical Necessity (LOMN) from your doctor and submit it with your claim (or keep it for your records if requested by your FSA administrator).

**Q2: Is sunscreen always FSA-eligible at Walgreens?**

**A2:** No, not always. To be FSA-eligible, sunscreen purchased at Walgreens must be **Broad Spectrum** (protecting against UVA and UVB rays) and have an **SPF of 30 or higher**. Sunscreens with lower SPF or those primarily for tanning (like tanning oils) are not eligible. Lip balm with SPF 30+ broad spectrum protection is also eligible. Always check the product label for these specifications.

**Q3: Can I use my FSA card to buy cosmetics or regular toiletries at Walgreens?**

**A3:** No. Cosmetics (makeup, non-medicated lotions) and general toiletries (regular shampoo, soap, toothpaste) are considered personal care items, not medical expenses, and are therefore not FSA-eligible. Your FSA card will likely decline these items at checkout if using an IIAS system.

**Q4: Are feminine hygiene products like tampons and pads FSA-eligible at Walgreens?**

**A4:** Yes. Thanks to the CARES Act, menstrual care products including tampons, pads, menstrual cups, period panties, and pantiliners are now fully FSA-eligible without needing a prescription. You can find a wide variety of these products at Walgreens.

**Q5: What happens if I accidentally buy a non-eligible item with my FSA card at Walgreens?**

**A5:** The Walgreens IIAS checkout system is designed to prevent this by only approving eligible items. If a non-eligible item is included, the FSA card transaction will likely be declined for that item, or the entire transaction might be declined if ineligible items are mixed in without sufficient funds for the eligible ones. If somehow a non-eligible purchase goes through and is later discovered (e.g., during an audit by your administrator), you will typically be required to repay the FSA account for the ineligible amount. It’s best to separate items or be sure of eligibility beforehand.

**Q6: Do I need to keep my Walgreens receipts if I use my FSA debit card?**

**A6:** Yes, absolutely. While the FSA card transaction might be auto-substantiated, your FSA administrator always reserves the right to request itemized receipts to verify eligibility, especially for purchases that might be considered dual-purpose or are not clearly identified by the IIAS system. Keeping organized receipts (physical or digital via the Walgreens app) is crucial for compliance.

**Q7: Are reading glasses purchased at Walgreens FSA-eligible?**

**A7:** Yes, non-prescription reading glasses (“readers” or “cheaters”) used to magnify text due to age-related farsightedness (presbyopia) are generally considered FSA-eligible medical expenses. Walgreens offers a wide selection of strengths and styles.

**Q8: Can I buy a breast pump at Walgreens using my FSA?**

**A8:** Yes, breast pumps (manual or electric) and essential breast pump supplies (tubing, flanges, storage bags, etc.) are FSA-eligible medical expenses. Walgreens carries several brands. Check if your health insurance plan also offers coverage for a breast pump, as FSA funds can cover any remaining cost or be used for a secondary pump or supplies.

**Q9: What should I do if I’m unsure whether a specific Walgreens product is FSA-eligible?**

**A9:** First, check for in-store signage or use the FSA filter on Walgreens.com or the app. For OTC items, you can ask the Walgreens pharmacist for guidance. However, the most definitive answer comes from contacting your FSA plan administrator or checking your specific plan documents, as they set the final rules for your account. For potentially dual-purpose items, anticipate needing a Letter of Medical Necessity (LOMN).

**Q10: What happens to unused FSA funds at the end of the year?**

**A10:** It depends on your specific FSA plan rules. Most follow the “Use It or Lose It” rule, meaning funds expire at the end of the plan year. However, your plan might offer either: 1) A Grace Period (up to 2.5 extra months to spend the previous year’s funds) OR 2) A Carryover (allowing you to roll over a limited amount, like $610 for 2023 or $640 for 2024, to the next plan year). You cannot have both. Know your plan’s specific deadline and provisions to avoid forfeiting funds. Walgreens is a convenient place for last-minute eligible spending.