Can You Buy Diapers with Flex Spending Account through FSA or HSA

You can buy diapers with a Flexible Spending Account (FSA) or Health Savings Account (HSA), but there are some rules to follow.

Diapers are considered a qualified medical expense, which means they can be reimbursed with FSA or HSA funds. This includes disposable diapers, cloth diapers, and even diaper services.

However, the IRS sets limits on how much you can contribute to your FSA or HSA each year. For 2022, the limit for FSA contributions is $2,850, and for HSAs, it's $3,650 for individuals and $7,300 for families.

To qualify for reimbursement, you'll need to keep receipts and records of your diaper purchases, as you would with any other medical expense.

You can use your FSA to cover a wide range of incontinence supplies, including incontinence products for adults and children with diagnosed medical conditions.

Incontinence supplies must be deemed medically necessary to be eligible for FSA coverage, which means you'll need a healthcare provider's diagnosis confirming the need for these supplies.

Some common FSA-eligible incontinence products include adult diapers, incontinence pants, and pads.

If your child has a diagnosed medical condition that keeps them from being potty trained or has delayed potty training, their incontinence products may qualify for FSA eligibility.

A Letter of Medical Necessity (LMN) may be required before reimbursement for FSA-eligible incontinence products.

Some popular FSA-eligible incontinence products include Comfees DriNite Youth Pants and Cuties SleepOvers.

Here are some examples of FSA-eligible incontinence products:

You can use your flexible spending account (FSA) to purchase diapers, but the specifics depend on your FSA program.

FSAs are tax-free accounts for medical expenses, and some employers match contributions. Although not every medical or personal care product is FSA-eligible, many are.

You can use your FSA funds to buy diapers, including Goodnites Nighttime bed-wetting underwear and CVS Health nighttime underpants, which are both designed for comfort and protection.

CVS Health training pants are another type of diaper covered under flexible spending accounts, designed for potty training with a heart pattern that fades when wet.

Adult diapers and other adult incontinence products are also FSA and HSA eligible, including bladder control pads, tabbed briefs, protective underwear, and underpads.

To purchase these products, you can use a debit or credit card and then get reimbursed through your HSA or FSA, keeping your receipts for reimbursement. Some providers issue debit cards for you to purchase your products, but this is optional.

Adult diapers are typically FSA eligible, as they're essential for individuals with incontinence.

You can check with your provider for confirmation, as policies can vary.

Goodnites Nighttime bed-wetting underwear and CVS Health nighttime underpants are FSA-eligible diapers for toddlers and older kids.

CVS Health training pants are also covered under flexible spending accounts, designed for potty training with a heart pattern that fades when wet.

Incontinence pads, guards, and bed pads may also qualify for reimbursement under FSA.

You can use your HSA card to cover medical expenses, which include payments for legal medical services rendered by physicians, surgeons, dentists, and other medical practitioners.

Adult cloth diapers can be a qualified medical expense if they're used to treat or mitigate a medical condition, such as incontinence caused by a disorder or disease.

You can use your HSA card to purchase adult cloth diapers, including limited releases and items in the Playful Prints section, without prior approval.

To validate your medical expense, you may need to submit a receipt to your HSA provider, which can be obtained through the email you received when placing your order or by logging into your account.

Threaded Armor will process your HSA card, but you're still responsible for using your HSA account in the proper manner, including producing a receipt that validates the medical expense.

You can buy your diapers, then wait until a receipt is asked for by your HSA provider before submitting it for approval.

All adult cloth diapers, regardless of color or print, are qualified HSA-approved items, so you don't need to worry about specific requirements for certain types of diapers.

FSA and HSA funds can be used to pay for a range of incontinence related medical expenses beyond incontinence supplies.

Incontinence-related medical expenses covered by FSA/HSA include prescription medications to manage incontinence.

Doctor’s visits and urologist’s consultations are also eligible for reimbursement.

Pelvic floor therapy is another expense that can often be reimbursed with FSA/HSA funds.

Expenses associated with diagnostic and testing assessments are typically covered as well.

Surgical interventions for incontinence, such as sling procedures, may also be eligible for coverage in some cases.