Can I buy diapers with FSA card?

Asked by: Roxane Hermann  |  Last update: October 16, 2025
Score: 4.7/5 (9 votes)

The average parent spends about $1,000 a year on diapers, and unfortunately they can't use an FSA to pay for them. This is because, despite being an absolute necessity to all parents, diapers are considered a personal care item and not a medical expense.

Can you use FSA for diapers?

Does FSA / HSA Cover Pediatric Diapers? Unfortunately, pediatric diapers like Pampers don't qualify as eligible expenses through an FSA or HSA.

Can you buy baby products with FSA?

Comments Section You can use FSA money on anything FSA eligible. Yes you can, but you can also stock up on things like sunscreen and bandaids if you don't want to rush into buying baby stuff just to hit a year-end deadline. If you have leftover funds with an FSA, then it doesn't hurt you to use them!

Can you buy depends on a FSA card?

Can Over-The-Counter purchases like Depend® products be covered by FSA funds? Yes.

What items can I buy with my FSA card?

You can spend FSA funds to pay deductibles and copayments, but not for insurance premiums. You can spend FSA funds on prescription medications, as well as over-the-counter medicines with a doctor's prescription. Reimbursements for insulin are allowed without a prescription.

What Can I Buy With My FSA Card At Walgreens? - InsuranceGuide360.com

41 related questions found

Can FSA pay for gym membership?

Gym memberships. While some companies and private insurers may offer discounts on gym memberships, you generally can't use your FSA or HSA account to pay for gym or health club memberships. An exception to that rule would be if your doctor deems fitness medically necessary for your recovery or treatment.

Can I buy tampons with my FSA?

Are Tampons FSA Eligible? Yes! Tampons are now classified as a “medical expense,” making them FSA eligible.

Are potty training items FSA eligible?

In short, diapers are used after a healthy function of the body, therefore it has no medical purpose. However, toddler and young child training pants are eligible because they protect against bed-wetting, an involuntary function of the body (incontinence).

Can I buy toothbrush with FSA?

Brush-Up on FSAs and HSAs

However, current law does not recognize certain oral healthcare products — such as manual toothbrushes, electric toothbrushes, water flossers, mouthwash, or OTC anti-cavity toothpaste — as “qualified medical expenses.”

Can you buy toilet paper with FSA?

Here are examples of items and expenses that are not FSA-eligible for 2024: General health items: toiletries like toothpaste, toilet paper, or shampoo, cosmetic products, vitamins and supplements (without a prescription) Non-medical equipment: car seats, strollers, non-medical exercise equipment.

Are adult diapers FSA eligible?

Are adult diapers covered under FSAs? According to FSAStore.com, incontinence supplies are eligible. If you enroll in an FSA, you will receive a debit card for in-store and online purchases. Remember to keep receipts for your records.

Can I pay my babysitter with my FSA?

Yes! You can include expenses paid to a babysitter if the services are necessary for you and your spouse, if married, to work, look for work, or attend school full-time. However, your dependent care costs are not eligible if you did not find a job and have no earned income for the year.

Is baby diaper cream FSA eligible?

Diaper rash cream & ointment is an over-the-counter (OTC) item eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).

Are car seats FSA eligible?

Car seats are not eligible for reimbursement with a flexible spending account (FSA), limited-purpose flexible spending account (LPFSA), dependent care flexible spending account (DCFSA), health savings account (HSA) or a health reimbursement arrangement (HRA).

Is deodorant on FSA?

Deodorant reimbursement is not eligible with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).

Can I use my HSA card to buy adult diapers?

Items that have the yellow badge on them are registered in the national database of qualified FSA/HSA items, and can be sold in pharmacies, drug stores, and wherever medical supplies are sold, but the fact is that all adult cloth diapers, regardless of color or print, are qualified FSA and HSA approved items.

Can you buy chapstick with FSA?

Lip balm is typically FSA eligible if it contains a certain SPF, but plans can vary. It's important to confirm the specific requirements with your FSA provider.

Is Tylenol FSA eligible?

Can I buy OTC medicine such as Tylenol and Tums with my FSA or HSA? Yes. You can buy OTC medicine such as Tylenol and Tums with your FSA or HSA.

Can FSA be used for baby diapers?

Even though infant diapers are not FSA eligible, toddler training pants and nighttime underwear are used to protect against incontinence. If you have a toddler who is potty training, these pants are a great middle ground between diapers and underwear.

Can I put gym on FSA?

Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) let you reserve pre-tax dollars for eligible medical expenses. Fitness fees do not always qualify as eligible HSA/FSA expenses. But they may qualify if a provider recommends that you exercise to prevent or treat a medical condition.

Are tampons FSA eligible?

Feminine hygiene products: Pads, liners, and tampons all qualify as FSA-eligible expenses. The end of the year is a good chance to stock up if you need to. Pain relievers: Over-the-counter pain medications such as Aleve, Tylenol, and generic versions of the drugs are available for purchase through FSA funds.

Can I buy bandaids with FSA?

Bandages are over-the-counter (OTC) items that are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).

Can I buy vitamins with FSA?

Vitamins and supplements bought over the counter for general health reasons are typically not a qualified medical expense under IRS rules. You may be eligible to buy certain vitamins with your health savings account (HSA) or flexible spending account (FSA), if used to treat a medical condition.

Is lotion FSA eligible?

Sunscreens that are SPF 15 and above and provide broad spectrum protection are FSA eligible — including lotions, sprays, powders, and baby sunscreen products.