Using FSA & HSA for prescription medications

What's eligible

• Prescription medications — GLP-1s, ED drugs, hair-loss medications, prescription skincare — are eligible if your physician issued a valid US prescription.
• Telehealth consultations — the consult fee from Ro, Hims, Henry Meds, and similar providers is generally eligible when the consultation results in or relates to a prescription.
• Lab work required before or during a prescription cycle (e.g., A1C testing for GLP-1 monitoring) is eligible.
• Sharps containers for injectable disposal are eligible.

What's NOT eligible

• Compounded medications without a valid prescription — even if dispensed through a telehealth program. Some FSA/HSA administrators are stricter than the IRS minimum; ask your administrator before paying.
• Subscription / membership fees not tied to a specific Rx (general telehealth memberships often fall here). Pricing structures matter — bundle pricing may be partially eligible.
• Cosmetic-only Rx (e.g., tretinoin prescribed solely for cosmetic concerns) — generally not eligible. Acne or photoaging treatment is.
• Over-the-counter vitamins, supplements, or general wellness products.

How to pay & document

1. Pay with your FSA/HSA debit card at the pharmacy or telehealth checkout. Keep the receipt + the pharmacy label showing the Rx number.
2. If paying out-of-pocket and reimbursing later, save the pharmacy receipt + the prescription info. Most administrators accept the standard pharmacy receipt; some require an itemized claim form.
3. For telehealth consult fees, save the provider's invoice showing the visit was for a specific medical evaluation. A generic "subscription" line-item is harder to justify.
4. If your administrator denies a claim, you can usually appeal with a letter of medical necessity from your prescriber.

FSA vs HSA: which one