Is Over-the-Counter (OTC) Hearing Aids FSA Eligible?
FDA-regulated direct-to-consumer hearing aids for adults with perceived mild-to-moderate hearing loss (Jabra Enhance, Sony, Lexie, Eargo). Fully eligible without prescription.
Yes! Over-the-Counter (OTC) Hearing Aids is 100% FSA and HSA eligible over-the-counter with no prescription or medical letter required.
Eligibility Criteria Matrix
Where to Buy & Typical Cost
Typical retail price range: $400 – $2500
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Frequently Asked Questions: Over-the-Counter (OTC) Hearing Aids
Is Over-the-Counter (OTC) Hearing Aids covered by my FSA?
Yes, Over-the-Counter (OTC) Hearing Aids 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 Over-the-Counter (OTC) Hearing Aids?
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 Over-the-Counter (OTC) Hearing Aids claim?
Save an itemized receipt or receipt email showing the merchant name, date of purchase, product description ("Over-the-Counter (OTC) Hearing Aids"), and amount paid. Credit card statements alone do not satisfy IRS audit requirements.
Where is the best place to purchase Over-the-Counter (OTC) Hearing Aids 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.
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