Bio Freeze: HSA Eligibility

Bio Freeze: requires a prescription to be eligible with a Health Savings Account (HSA)

Bio Freeze is an eligible over-the-counter (OTC) medicine with a prescription with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Bio Freeze is not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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How does Bio Freeze work?

In the event of muscle pulls, sprains other injuries that are caused by awkward movements or overexertion, applying ice or cold packs to the affected area is one of the best means of reducing inflammation and promoting the healing process. However, cold packs are not always readily accessible for people on the go, so Bio Freeze was created as a topical analgesic that can replicate the role of cold packs in treating sprains and sore muscles.

Bio Freeze effectively tricks the brain into thinking that ice is being applied to an effective area, as its primary ingredient is menthol. Menthol is derived from the mint family of plants, and causes the brain to interpret the nerve signals coming from the injured area as cold, which will inhibit the body's inflammatory response. Additionally, Bio Freeze can cause a dilation of the blood vessels in the affected area, which increases blood flow to clear away damaged cellular waste products, and bringing more oxygenated blood to promote the healing process. Bio Freeze is available in gel, spray and roll-on sticks, and it is one of the few products that can provide an effective form of cryotherapy on the go (Biofreeze).

Why does Bio Freeze require a prescription for reimbursement?

As a result of the passage of the Patient Protection and Affordable Care Act (PPACA), as of January 1, 2011, OTC items containing an active medical ingredient require a prescription for reimbursement with an FSA, HSA or HRA. To reimburse the cost of OTC medicines and drugs under FSAs, HSAs and other consumer spending accounts, account holders must submit a prescription for each product.

However, not every OTC product falls under this distinction and thousands of products continue to remain eligible without a prescription including bandages, first aid supplies, most sunscreens, diagnostic products, products for infant care and so much more. For more information on a specific product, be sure to consult our Eligibility List.

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Specifically Not Covered

Not eligible without a prescription.

Legal Information / Regulations

Prescription Required. Information Letter (IL) 2009-0209; Notice 2010-59.