Your doctor may need to write a letter of medical need to establish this.
Vitaminsare generally not eligible for the FSA. While it could be argued that taking multivitamins on a daily basis can help prevent future health problems, they generally do not meet the IRS rules on FSA eligibility, since they are products that are used to improve general health and are not used to diagnose, cure, mitigate, treat, or prevent a legitimate medical condition. Many people take vitamins and supplements for their overall daily health.
However, simply buying vitamins without a prescription is not an eligible expense. If your doctor has prescribed specific supplements for you, you will need to fill out a letter of medical need (MLN) in order to use your FSA to make this purchase. Otherwise, vitamins and supplements are not considered eligible expenses and your card will be declined. But why? Vitamins are directly related to health, right? Okay, yes.
However, because of the way the IRS determines eligibility, they are considered dual-purpose items. In short, you'll always need a doctor's note to buy them, and then you'll need to file a claim. In addition, prenatal vitamins are also eligible for the FSA, as they have been shown to cover nutritional gaps in the mother's diet and reduce the risk of birth defects. However, if a vitamin or supplement is prescribed to treat a medical condition, they could be reimbursed through an FSA with a letter of medical need (MLN).
Finally, if the doctor of an FSA holder suggests a specific type of vitamin supplement to treat a medical condition, such as common treatments, such as biotin to improve metabolism or melatonin to improve the sleep cycle, a letter of medical necessity (LMN) from the doctor will normally be required. This letter should explain how the account holder's medical condition requires a vitamin supplement, how the treatment will be used to alleviate the problem, and how long the treatment will last. If you are a Benefit Resource user, you can view the table of eligible expenses through your online account. Given this fact, it may come as a surprise that there are limits to what can be purchased through an FSA.
Amounts spent on vitamins, nutritional and herbal supplements, and natural medicines will only be reimbursed if the substance is prescribed by a doctor to treat a specific medical condition. Glucosamine and chondroitin are suitable for FSA without the need for a prescription or letter of medical necessity (LMN) from a doctor, as they are known to help joint health and prevent cartilage decay.