💊 The "Over-the-Counter" Rule
Since the CARES Act, you no longer need a prescription for most OTC medicines. Pain relievers, allergy meds, and feminine care products are now 100% eligible without a doctor's note.
Medicine Cabinet & OTC
Pain RelieversTylenol, Advil, Aspirin
Allergy MedicineZyrtec, Claritin, Sprays
Cold & FluCough syrup, Decongestants
Stomach ReliefTums, Pepto-Bismol
Sleep AidsMelatonin (OTC eligible)
Acne TreatmentsCreams, Cleansers w/ medication
First Aid & Supplies
BandagesBand-Aids, Gauze, Tape
Rubbing AlcoholAnd Peroxide
Antibiotic OintmentNeosporin
Shoe InsertsDr. Scholls (Arch support)
Heating PadsHot/Cold packs
Baby & Maternity
Breast PumpsAnd storage bags
Prenatal VitaminsMust be for pregnancy
Baby SunscreenSPF 15+ required
Diaper Rash CreamAquaphor, Desitin
Baby ThermometersEar & Rectal
Diapers & WipesStandard care is NOT eligible.
Vision & Dental
Prescription GlassesFrames and lenses
Contact LensesAnd cleaning solution
Reading GlassesOTC readers are eligible
Night GuardsFor teeth grinding
ToothpasteGeneral hygiene is NOT eligible.
Devices & Monitoring
Blood PressureHome monitor cuffs
Pulse OximeterOxygen monitors
Oura Ring / WatchesLMN Required. Not auto-eligible.
Acne Light TherapyDevices for treatment
Surprising Eligible Items
SunscreenSPF 15+ is eligible
Feminine CareTampons & pads
CondomsFamily planning is eligible
Pregnancy TestsDiagnostics are eligible
❌ Definitely NOT Eligible
These items are considered "General Health" or "Cosmetic" and will be denied.
Gym MembershipsUnless for specific rehab (LMN)
Cosmetic SurgeryWhitening, botox, etc.
Vitamins (General)Multivitamins are NOT eligible.
ToothbrushEven electric ones are general hygiene.