Does FSA cover melatonin?
Melatonin is a dietary supplement, so it's generally not a qualified FSA expense unless a medical provider recommends it to treat a diagnosed condition.
What flips the answer
- Covered when
A medical provider recommends melatonin to treat a diagnosed condition and you have a Letter of Medical Necessity.
- Not covered when
You're buying it over the counter for general sleep support with no diagnosis behind it.
IRS Publication 502 treats supplements and vitamins taken for general health as non-qualified. Because melatonin is sold as a dietary supplement rather than a drug, buying it for everyday sleep support usually doesn't qualify.
The exception is when a physician recommends a supplement to treat a specific diagnosed condition rather than for general well-being. For melatonin, that means a documented recommendation tied to a diagnosis.
FSA administrators generally want a Letter of Medical Necessity to reimburse melatonin. Without one, the default is that it's a general-health purchase and not eligible.
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