The Medical Care Reimbursement Plan (MCRP) will allow you to be reimbursed for medical expenses not covered or reimbursed by other insurance, including over-the-counter (OTC) medical items. In order for your expenses to qualify for reimbursements, they must be for medical care.

Medical care means amounts paid for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure of the body. This term does not include cosmetic surgery for improving your appearance only.

All medical care expenses must be incurred during the plan year. Medical Care is considered incurred as of the date the service was provided not the date the service was performed. For items that have been purchased over-the-counter, the date the item was purchased is considered the same as the date the expense was incurred.

OTC drugs for personal use or for use by the participant’s spouse or dependents, to alleviate or treat personal injuries or sickness (e.g., antacid, allergy medicine, pain reliever, cold medicine) are considered eligible Code Section 213 expenses. Specifically EXCLUDED are OTC drugs for maintaining general good health and well-being including, toiletries, sundry items, cosmetics, vitamins, dietary supplements and those expenses not meeting the MCRP rules for reimbursements. For a partial list of covered and non-covered expenses, please log into your personal flex account via the Flex Website to view the “Qualifying Medical Expense List”.

Conveniently purchase all of your eligible OTC medication at the FSA Store. All eligible items are identified using this symbol to make shopping and using your flexible benefit plan a breeze. Your purchase history is saved on file so you never have to worry about losing a receipt!

If you are a flex plan participant, please refer to your enrollment packet and Summary Plan Description for specific information about your plan.

View IRS Publication 502 ( Medical and Dental Expenses )