Is ACT Anticavity Fluoride Mouthwash Cool Mint 18 oz HSA or FSA Eligible?
Yes — ACT Anticavity Fluoride Mouthwash Cool Mint 18 oz is HSA and FSA eligible. No prescription or LMN required.
Eligibility status
HSA
Eligible
FSA
Eligible
LMN required
No
Last verified May 2026
ACT
ACT Anticavity Fluoride Mouthwash Cool Mint 18 oz
Alcohol-free anticavity fluoride rinse that strengthens enamel and helps prevent tooth decay.
$8
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Why this eligibility status?
Fluoride anticavity mouthwashes are dental medical products eligible under IRS Publication 502.
The full list of qualified medical expenses is defined in IRS Publication 502, updated annually. The CARES Act of 2020 expanded eligibility to include all OTC medicines and menstrual care products.
How to use HSA/FSA for this product
- Purchase ACT Anticavity Fluoride Mouthwash Cool Mint 18 oz directly with your HSA or FSA debit card — no pre-approval needed.
- Alternatively, pay out of pocket and submit the receipt for reimbursement through your plan's portal or app.
- Keep your receipt. If your card is declined (auto-substantiation failure), you can manually submit the receipt.
- Save receipts for 7 years in case of an IRS audit.
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Frequently asked
Sources & last update
- IRS Publication 502 — Medical and Dental Expenses
- FSA Store Eligibility List
- CARES Act of 2020 — OTC Drug Expansion
Last updated: May 2026