Does FSA cover Plan B?
Plan B and other emergency contraception is a qualified FSA expense — the IRS treats birth control as medical care, and since the 2020 CARES Act you can buy OTC versions without a prescription.
What flips the answer
- Covered when
It's emergency contraception or another contraceptive — eligible, and OTC versions don't need a prescription.
- Not covered when
The cost was already covered by your insurance — you can't reimburse an already-paid expense from the FSA.
- Not covered when
The purchase isn't a contraceptive or medical product — unrelated items bought at the same time aren't eligible.
IRS Publication 502 lists birth control and contraceptives as qualified medical expenses. Emergency contraception like Plan B falls under that, so it's FSA-eligible.
The 2020 CARES Act restored FSA and HSA eligibility for over-the-counter drugs and medicines without requiring a prescription. Because Plan B is available over the counter, you can pay for it directly with an FSA debit card or submit the receipt for reimbursement — no doctor's note needed.
This is consistent across contraceptive methods: prescription birth control, OTC options, and related contraceptive devices are generally qualified. As always, you can't reimburse a cost your insurance already paid.
That's the general answer. Yours is written in your actual policy.
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