Is Bengay Ultra Strength Pain Relief Cream 4 oz HSA or FSA Eligible?

Bengay contains active drug ingredients (menthol, methyl salicylate, camphor) classified as OTC analgesics, qualifying as medical expenses under the CARES Act.

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.

1. Purchase Bengay Ultra Strength Pain Relief Cream 4 oz directly with your HSA or FSA debit card — no pre-approval needed.
2. Alternatively, pay out of pocket and submit the receipt for reimbursement through your plan's portal or app.
3. Keep your receipt. If your card is declined (auto-substantiation failure), you can manually submit the receipt.
4. Save receipts for 7 years in case of an IRS audit.