Why can't you buy diapers with HSA?

Asked by: Deonte Bergnaum  |  Last update: January 14, 2024
Score: 4.5/5 (75 votes)

The IRS views infant diapers as products that are necessary for "general health" purposes, as incontinence is a normal and healthy function of the body for an infant and therefore ineligible for reimbursement.

Can I use HSA to pay for diapers?

In short, any diapers or liners on this website are qualified medical expenses, and so you may purchase them with your FSA or HSA card. Do I have to submit for reimbursement? If you are using your FSA or HSA card you do NOT have to submit for reimbursement.

Does HSA cover baby supplies?

Consumer-directed healthcare accounts like FSAs, HSAs and HRAs can cover a huge range of pre-childbirth expenses such as Lamaze classes and products necessary for the baby's healthy development (baby sunscreen, prenatal vitamins, nursing supplies, thermometers, etc.), but these accounts can also cover the direct ...

Can you buy diapers with HSA FSA?

Regular diapers for newborns and infants are not FSA eligible. However, diapers used to relieve the effects of a specific disease or medical condition may qualify with a Letter of Medical Necessity (LMN) from a pediatrician or other medical practitioner.

Why is toothpaste not HSA?

Toothpaste is considered to be a “general health” item by the IRS, and items that are used to maintain general good health do not qualify.

The Real TRUTH About An HSA - Health Savings Account Insane Benefits

33 related questions found

Is Apple Watch HSA eligible?

Unfortunately the answer to this question is usually no. This is because according to the IRS, fitness trackers are used to promote what the IRS terms “general health”. Expenses under this general health definition are not considered HSA eligible expenses.

Can I use HSA for gym membership?

Physical therapy is an approved medical expense. Can I use my HSA for a gym membership? Typically no. Unless you have a letter from your doctor stating that the membership is necessary to treat an injury or underlying health condition, such as obesity, a gym membership isn't a qualifying medical expense.

Can I buy toilet paper with my HSA card?

Toiletries are not eligible for reimbursement 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 you buy a car seat with HSA?

Although required for the protection of young children, car seats do not qualify as medical care and are therefore not eligible.

Can you buy tampons with HSA?

With the passage of the CARES Act in March 2020, tampons and other menstrual care products are now fully FSA-/HSA-eligible.

Is HSA worth it for pregnancy?

Before the baby arrives

Pregnancy introduces a variety of health needs for women. Fortunately, your HSA covers many items that may be useful to you during the family planning process and pregnancy, including eligible fertility and pregnancy tests. Other useful items covered by your HSA include: Maternity support belts.

Can I use HSA for maternity leave?

The IRS maintains a list of qualified medical expenses, but almost all expenses related childbirth are eligible. This includes expenses like delivery of a child, medications (epidural), C-section, and more. Because the HSA covers your family as a whole, this includes expenses specific to Mom and/or the baby.

Can you use HSA for pregnancy massage?

Under IRS guidelines, prenatal massage can be a qualified medical expense using a Healthcare Savings Account (HSA) or Flexible Spending Account (FSA) if your healthcare provider recommends it with a written prescription. To find out more, talk with your HSA or FSA administrator and your healthcare provider.

Can I use HSA for deodorant?

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 buy vitamins with HSA?

With this IRS definition in mind, while daily multivitamins are not FSA/HSA eligible, there are some types of vitamins that are eligible with consumer-directed healthcare accounts and others that may be eligible with proper documentation from a physician.

Are nighttime diapers HSA eligible?

Bed wetting aids, such as overnight underpants and diapers, are eligible (when purchased for the treatment of incontinence in an older adult or child — infant diapers not eligible) with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).

What baby items can I buy with HSA?

  • Baby Monitors. If you're looking for a baby monitor with all the bells and whistles, your HSA or FSA could help cover the cost. ...
  • Breastfeeding Supplies. ...
  • Pain & Fever Care. ...
  • Runny Nose & Cold Care. ...
  • Specialty Skincare. ...
  • Sunscreen.

Can you put mattress on HSA?

More about mattress eligibility? There are several medical conditions which may benefit from the use of a specially constructed mattress. But, regardless of the need, a mattress expense is only eligible when its components and construction costs exceed those of a standard mattress for general health.

Does HSA cover condoms?

Condoms are eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA). They are not eligible for reimbursement with dependent care flexible spending accounts and limited-purpose flexible spending accounts (LPFSA).

What can I not spend HSA on?

Generally, you can't use your HSA to pay for expenses that don't meaningfully promote the proper function of the body or prevent or treat illness or disease. Nutritional supplements and weight loss programs not prescribed by a physician are examples of expenses that would not be covered by your HSA.

Can I buy Gatorade with my HSA card?

Rehydration sports drinks, such as Gatorade, and solution with dietary supplements other than electrolytes are not eligible.

Can HSA be used for electric toothbrush?

Electric toothbrushes are not eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), health reimbursement accounts (HRA), dependent care flexible spending accounts, and limited-purpose flexible spending accounts (LPFSA) because they are general health products.

Can I buy a treadmill with my HSA?

A treadmill may be eligible for reimbursement with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), health savings account (HSA) and health reimbursement arrangement (HRA).

Can you use HSA to pay for Botox?

Botox: HSA Eligibility

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

Can you use HSA for Invisalign?

Absolutely, you can use your HSA or FSA to pay for Invisalign aligners based on the same criteria listed above. While typically more expensive than braces, Invisalign aligners are practically invisible and removable, making them a great option for many Kristo Orthodontic patients— especially teens and adults.