Is Calmoseptine Ointment — 4 oz Tube HSA or FSA Eligible?
Yes — Calmoseptine Ointment — 4 oz Tube is HSA and FSA eligible. No prescription or LMN required.
Eligibility status
HSA
Eligible
FSA
Eligible
LMN required
No
Last verified May 2026
Calmoseptine
Calmoseptine Ointment — 4 oz Tube
Zinc oxide and menthol ointment for soothing and protecting skin irritated by incontinence.
$16
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Why this eligibility status?
Medicated skin protectants for incontinence-related dermatitis are medical supplies qualifying 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 Calmoseptine Ointment — 4 oz Tube 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