Drugs that have adequate written directions for lay use and are permitted to be sold without a veterinary prescription.

Over-The-Counter Drugs will be reimbursable through the Health Care Spending Account beginning in 2004. In order to be reimbursed, OTC drugs and medicines must be purchased to alleviate or treat personal injuries or sickness - not merely for benefiting one's general health. Examples of allowable OTC medicines and drugs include: antacids, allergy medicines, pain relievers and cold medicines. However, expenses for dietary supplements (e.g. vitamins, energy drinks, energy bars, etc.), toiletries (e.g. toothpaste/brush, mouthwash, dental floss, soaps, deodorant, sunscreen, non-medicated shampoo, etc.), cosmetics (e.g. face cream, moisturizers, make-up remover, etc.), and items used for cosmetic purposes (e.g. Propecia, Rogaine, teeth whiteners, etc.) continue to be non-reimbursable items.

FDA defines OTC drugs as safe and effective for use by the general public without a doctor's prescription.