An item is entered on the Flexible Spending Account Eligible Product list after the Special Interest Group for Inventory Information Approval System finds that it meets certain criteria. SIGIS obtains items for review from a database of health and beauty products.
SIGIS approves items that are either prescribed drugs or are eligible over-the-counter medications. Non-prescribed over-the-counter drugs and drugs not in the eligible list are not eligible as FSA expenses.
Items on the eligible OTC list are products that are intended primarily for a medical purpose. Sunscreen is used only to prevent sunburn and skin cancer, so sunscreens and sun blocks with an SPF of 15 or higher that protect against both ultraviolet A and ultraviolet B radiation are eligible FSA expenses. Because they are on the eligible OTC products list, they do not require a doctor's prescription.
Dual-purpose items have a purpose other than medical care. They can be approved with a doctor's note verifying that they are for a medical condition and not just being used for general health or hygiene. Diapers for incontinence or medical conditions are eligible; baby diapers for routine use are not covered. ACE bandages are covered, but work-related back braces are dual purpose.