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OTC Drugs
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Eligible Over-the-Counter Drugs

The following is intended to serve as a quick reference for which types of OTC drugs are allowed, disallowed, and dual-purpose.

  • Allowed Expenses.

    Medical care includes those services or items that prevent or alleviate a physical or mental defect or illness. Services or items are also considered to be for medical care if they are primarily medical in nature and affect a structure or function of the body or are diagnostic in nature.

    Allergy Medicine
    Analgesics
    Antacids
    Antibiotics, First Aid
    Anti-Diarrhea Medicine
    Antihistamines
    Anti-Inflammatory
    Aspirin
    Bandaids/Bandages
    Burn Treatments
    Cold and Flu Medicine
    Cold/Hot Packs
    Contact Lens Solutions/Cleaners
    Contraceptives
    Corn and Callus Removers
    Cough Drops
    Crutches
    Decongestants
    Diabetic Supplies
    Diaper Rash Treatment
    Digestive Aids
    Elastic Wraps
    Expectorants
    Eye Drops
    First Aid Kits

    Hemorrhoid Treatments
    Incontinence Supplies
    Insect Bite/Sting Medicine
    Laxatives
    Menstrual Pain Relievers
    Motion Sickness Medicine
    Muscle/Joint Pain Relievers
    Nasal Sinus Sprays
    Nicotine Patches, Gum, Lozenges
    Oral Wounds (cold sores)
    Oxygen Equipment
    Pain Relievers
    Pedialyte (dehydration)
    Pregnancy Test Kits
    Prenatal Vitamins
    Psoriasis Treatment
    Reading Glasses
    Sinus Medication
    Skin Irritation Treatment
    Sunburn Treatments
    Thermometers
    Throat Lozenges
    Wart Remover Products
    Wrist/Joint Supports

  • Disallowed Expenses.

    Items that are toiletries or that are likely to be primarily for general health and well being.

    Acne Treatment
    Antiperspirant
    Blemish Concealer
    Breast Pumps
    Chapstick
    Cosmetics
    Cotton Balls
    Dental Floss
    Denture Care Products
    Deodorant
    Dietary Supplements
    Face Creams

    Feminine Hygiene Products
    Hair Growth/Removal Products
    Holistic Remedies/Medicines
    Mouth Wash
    Powder
    Skin Lotion
    Suntan Lotion
    Swabs
    Teeth Whitening Products
    Toothpaste/Toothbrushes
    Vitamins and Minerals

  • Dual-Purpose Expenses.

    Items that have both a medical purpose and a personal/cosmetic or general health purpose. These items need to be accompanied by a medical practitioner's note stating that the person has a specific medical condition and that the OTC drug is recommended to treat it and that the treatment is not a cosmetic procedure.

    Acne Treatment (rare occasions)
    Chondroitin (arthritis)
    Exercise Equipment (not for general health)
    Feminine Hygiene (rare occasions)
    Fiber Supplements (rare occasions)
    Glucosamine (arthritis)
    Hormone Therapy
    Lactose Intolerant Pills

    Nasal Sprays/Strips for snoring
    Orthopedic Inserts
    Orthopedic Shoes (excess cost only)
    Shampoo, Medicated
    Sunscreen
    St. Johns Wort (depression)
    Weight Loss (excess cost only)

First Horizon and First Horizon Msaver do not offer tax or legal advice. You are advised to consult your personal tax or legal advisor regarding your individual situation.

 

 

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