Tips for Getting a Doctor's Prescription for an Eligible OTC Drug
Most of us get aches and pains or suffer with allergies. Fortunately, many ailments and conditions can be treated with over-the-counter (OTC) drugs, such as ibuprofen or brand name products like Claritin. You can use your health care Flexible Spending Account (FSA) for OTC drugs; however, you'll need a prescription from your doctor before you can receive reimbursement from your account, because of the 2010 Health Reform Law.
Don’t let the prescription requirement deter you; doctors are familiar with the law, which has been in effect since January 1, 2011. We’ve simplified what you need to know when getting a prescription for OTC medicines.
- The prescription can be for the specific drug or the drug category (Claritin or loratadine).
- A general OTC category, such as ibuprofen, is sufficient.
- If the prescription is for a specific brand or indicates "dispense as written," only the indicated brand name, dosage and count will be accepted.
- All prescriptions are good for one year and multiple refills, unless otherwise indicated or unless prohibited by state law.
- Just as with other medications, the OTC script must be written on a prescription pad and comply with state laws.
- A single prescription can include multiple categories or product types, but it will limit reimbursement to Pay Me Back claims. For best results, get a separate prescription for each item.
- And, if you present your prescription for an OTC drug at a pharmacy counter, they may dispense it as a prescription—in that case, you’ll be able to use your WageWorks® Health Care Card to pay for the prescribed OTC drugs.
And when filing a claim, don't forget…
When filing a claim for a prescribed OTC item, you’ll need to submit an itemized receipt that includes the date, amount, provider name, OTC item and a copy of the prescription.