Are all over-the-counter (OTC) items eligible for reimbursement from my HRA?

Effective January 1, 2011, HRA funds may no longer be used for OTC drugs and medicines (other than insulin) without a prescription from a medical provider. This means that these items can no longer be purchased with a benefit card. If an OTC drug or medicine is required to treat a specific medical condition, you may submit a claim for reimbursement, but you must include a prescription. This rule does not apply to OTC medical supplies that are not drugs or medicines. As long as OTC items are allowed under your plan, HRA funds can continue to be used for these expenses without a prescription. This means that they can be either purchased with a benefit card or a claim may be submitted for reimbursement.