The purpose of an FSA or HRA is to cover the cost of products and services that treat medical (or dental/vision) conditions. Because the plans are not able to cover the cost of routine, everyday products, the plan can only cover the difference between the everyday version and the specialty version of a product. For example, if a regular infant formula costs $10.00 but the specialty formula costs $50.00, you can only be reimbursed in the amount of $40.00, which is the cost difference between the specialty and regular product.

To ensure that your claim for your specialty over-the-counter is approved, include a "good faith estimate" with your claim. A "good faith estimate" is a screenshot or photo showing the price of the routine or regular version of the closest comparable product. This picture can come from a retailer's website of your choosing. Forgetting to include a "good faith estimate" may result in your claim being denied.

Here's what to include in your claim for a specialty over-the-counter item: 

•  Attach an itemized receipt from the purchase of the specialty product, showing the name of the merchant, date of purchase, description of the product, and the amount charged for the product.
• Complete and include a Letter of Medical Necessity (LMN) from your healthcare provider. 
• Take and include a screenshot or photo showing the price of the routine or regular version of the closest comparable product. Again, this picture can come from a retailer's website of your choosing.