Toothpaste: HSA Eligibility

Toothpaste: reimbursement is not eligible with a Health Savings Account (HSA)

Toothpaste is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

What is toothpaste?

Toothpaste is an Over-the-Counter (OTC) toiletry item that utilizes abrasives and cleaning agents to clean teeth of plaque and other buildup for both cosmetic and long-term health purposes. There are also specialized forms of toothpaste, known as medicated toothpaste, for the treatment of specific medical conditions or diseases, but this is also very rarely eligible for reimbursement. Toothpaste is considered to be a “general health” item by the IRS, and items that are used to maintain general good health do not qualify. (Dental Health Foundation).

What is medicated toothpaste?

Medicated toothpaste is a type of toothpaste that applies a medicine to the teeth, gums and mouth. Toothpaste is an effective way to apply medicine to the teeth, mouth and gums when treating certain diseases or conditions in those areas. Common conditions for which medicated toothpaste are typically prescribed include bacterial and fungal infections, cavities, gingivitis, root exposure, dry mouth, enamel demineralization, lesions, and furcation (bone loss).

Most medicated toothpastes have specific instructions on their labeling or packaging that describe how to use the toothpaste. Some medicated toothpastes require specific application techniques or a set duration of contact with the teeth, gums and mouth in order to provide a medical benefit. Some medicated toothpastes require a specific periodicity of use, or should not be used too often, in order to maintain a healthy mouth. Medicated toothpastes will have instructions detailing all risks, side effects, warnings, and specific instructions for use. The medical professional who prescribes the medicated toothpaste will also be able to explain the purpose of the toothpaste, and how to integrate it into a healthcare treatment plan for a medical condition or disease.

Medicated toothpaste may be brand-name or generic, Over-the-Counter (OTC) or prescription only. Medicated toothpaste will typically not qualify for reimbursement.

Additional Information

FSAstore.com's Prescription Process can help. Click Here to learn more.

Specifically Not Covered

Not eligible without a prescription.

Legal Information / Regulations

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