otc medicationStatute: IRC §213(d) / CARES Act §3702

Is Hydrocortisone 1% Anti-Itch Cream (Cortizone-10) FSA Eligible?

Maximum strength topical corticosteroid cream for fast relief of itching from eczema, psoriasis, insect bites, poison ivy, and rash.

Quick Answer: Yes, It Is Covered

Yes! Hydrocortisone 1% Anti-Itch Cream (Cortizone-10) 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: Hydrocortisone 1% Anti-Itch Cream (Cortizone-10)

Is Hydrocortisone 1% Anti-Itch Cream (Cortizone-10) covered by my FSA?

Yes, Hydrocortisone 1% Anti-Itch Cream (Cortizone-10) 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 Hydrocortisone 1% Anti-Itch Cream (Cortizone-10)?

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 Hydrocortisone 1% Anti-Itch Cream (Cortizone-10) claim?

Save an itemized receipt or receipt email showing the merchant name, date of purchase, product description ("Hydrocortisone 1% Anti-Itch Cream (Cortizone-10)"), and amount paid. Credit card statements alone do not satisfy IRS audit requirements.

Where is the best place to purchase Hydrocortisone 1% Anti-Itch Cream (Cortizone-10) 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.