Is The Ordinary Granactive Retinoid 2% Emulsion HSA or FSA Eligible?

Sunscreen with SPF 15+ and broad-spectrum protection is explicitly listed as a qualified medical expense under IRS Publication 502. OTC acne and skincare treatments became fully eligible under the CARES Act of 2020.

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. Schedule an appointment with your doctor and discuss the medical condition you need to manage.
2. Request a Letter of Medical Necessity (LMN) citing The Ordinary Granactive Retinoid 2% Emulsion by name.
3. Purchase the product with your HSA/FSA debit card, or pay out of pocket.
4. Submit your receipt + LMN through your plan administrator's portal.
5. Save the documentation for at least 7 years for IRS records.