CARES Act

Coronavirus Aid, Relief and Economic Security Act

On March 27, 2020 the Coronavirus Aid, Relief, and Economic Security Act or the CARES Act was signed into law.  The bill included a change impacting the use of funds from HSA, HRA and FSA health benefit accounts. The bill reverses the 2011 Patient Protection and Affordable Care Act's prescription requirement for Over the Counter Drugs reimbursement. The CARES Act also now includes eligibility for menstrual care products.  The bill had a retroactive start date of 1/1/20. While SIGIS cannot affect past transactions, we are making changes as quick as possible for future transactions.  The Eligible Product List will be updated to include Over the Counter Drugs and Medicines by April 15, 2020.  The release updates 18,979 OTC items and 696 Feminine Care products in our existing list to eligible status.

After the initial April 15th release, SIGIS will work with our industry partners, manufacturers and merchants to identify addition products that are not on our current list.  We expect significant monthly updates for several months as the products are added.  In addition, merchants that sell private label merchandise will need to update their internal lists based on the Private Label Eligibility Criteria.  Upon merchants downloading the updated list with revised statuses, and processing those changes into their point of sale systems, consumers will be able to proceed through normal checkout lanes and use their healthcare benefit debit cards for the purchase of these products.

OTC Categories now eligible without a prescription are as follows:

  • Acid Controllers
  • Allergy & Sinus medicine
  • Anti-Diarrheals
  • Antifungal
  • Anti-Parasitic Treatments
  • Baby Electrolytes and Dehydration
  • Cold Sore Remedies
  • Cough, Cold & Flu
  • Digestive Aids
  • Eye Care
  • Fiber Laxatives
  • Foot Care Treatment
  • Homeopathic Remedies
  • Laxatives (non Fiber)
  • Medicated Nasal Sprays, Drops and Inhalers
  • Pain Relief Oral and Topical
  • Skin Treatments
  • Smoking Deterrents
  • Acne Medications
  • Antibiotics
  • Anti-Gas Products
  • Anti-Itch & Insect Bite
  • Antiseptics & Would Cleansers
  • Baby Rash Ointments/Creams
  • Contraceptives
  • Denture Pain Relief
  • Ear Care
  • Feminine Anti-Fungal/Anti-Itch
  • First Aid Burn
  • Hemorrhoidal Preps
  • Incontinence Protection & Treatment Products
  • Motion Sickness
  • Oral Remedies and Treatments
  • Medicated Respiratory Treatments
  • Sleep Aids & Sedatives
  • Stomach Remedies 

Eligible Feminine Protection, Menstrual Cate products:

  • Cups
  • Liners 
  • Pads
  • Tampons                                                                        
  • Disposable and Non Disposable Underwear for Menstruation
  • Sponge