Vitamins and nutritional supplements are not typically eligible for reimbursement through a Flexible Spending Account (FSA). However, in certain circumstances, vitamins recommended by a medical professional to treat a medical condition may be eligible for a medical necessity letter (LMN). The CARES (Coronavirus Aid, Relief and Economic Security) Act has made many over-the-counter essential health products eligible for the FSA. Vitamins are often necessary or dual purpose, but only if prescribed by a doctor to treat a specific medical condition.
According to the IRS, “you cannot include in medical expenses the cost of nutritional supplements, vitamins, herbal supplements, “natural medicines”, etc.” If your doctor believes that a vitamin or supplement can improve your health problem, you must obtain a prescription. The most popular over-the-counter supplement is the multivitamin, but only a few specific vitamins have achieved HSA and FSA eligibility. To qualify for reimbursement, patients must have documentation from their doctors stating that they need it. The CARES Act did not extend to all vitamins and dietary supplements.
Prenatal vitamins may be eligible if you are pregnant or diagnosed with arthritis. Toothbrushes and dental floss can be used as a comparison for the vitamin debate. You can use FSA funds to purchase vitamins and supplements that are used to treat a specific condition. Talk to your doctor about your health problems and request a note or letter detailing the medical need for the vitamin or supplement.
For more information on eligibility for specific vitamins and dietary supplements, contact your plan administrator.