visionStatute: IRC §213(d) / CARES Act §3702

Is Lubricant Eye Drops & Artificial Tears FSA Eligible?

Preservative-free lubricating eye drops (Systane Complete, Refresh Optive, Blink Tears) for relieving dry eye syndrome and ocular irritation.

Quick Answer: Yes, It Is Covered

Yes! Lubricant Eye Drops & Artificial Tears is 100% FSA and HSA eligible over-the-counter with no prescription or medical letter required.

Eligibility Criteria Matrix

Healthcare FSA (Flexible Spending)Eligible
HSA (Health Savings Account)Eligible
Doctor Prescription RequiredNo (OTC)
Letter of Medical Necessity (LMN)Not Required

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Frequently Asked Questions: Lubricant Eye Drops & Artificial Tears

Is Lubricant Eye Drops & Artificial Tears covered by my FSA?

Yes, Lubricant Eye Drops & Artificial Tears is an eligible healthcare expense under IRS Code Section 213(d). You can use your FSA card at point-of-sale or submit itemized receipts for direct reimbursement.

Do I need a prescription to buy Lubricant Eye Drops & Artificial Tears?

No prescription is needed. Over-the-counter health supplies and medications have been fully eligible without a doctor's prescription since the CARES Act of 2020.

What documentation do I need to keep for my Lubricant Eye Drops & Artificial Tears claim?

Save an itemized receipt or receipt email showing the merchant name, date of purchase, product description ("Lubricant Eye Drops & Artificial Tears"), and amount paid. Credit card statements alone do not satisfy IRS audit requirements.

Where is the best place to purchase Lubricant Eye Drops & Artificial Tears with an FSA card?

You can purchase directly at FSA-certified online retailers such as the FSA Store, or on Amazon using the FSA/HSA filter. Both accept benefits cards directly during checkout.