Are Diapers FSA / HSA Eligible?

If you are paying out of pocket for incontinence products, using an FSA or HSA to pay for them is a great way to save money and receive other benefits, such as tax advantages. 

There are a few differences between FSAs and HSAs and how to use them for incontinence supplies. We'll review both to ensure you get the most out of your tax-free dollars.

INCONTINENCE PRODUCTS THROUGH INSURANCE:

Aeroflow Urology is in-network with many Medicaid and Medicaid-managed insurance plans and is accredited by Medicaid. Complete our Eligibility Form, and we’ll automatically check to see if your plan covers incontinence supplies. ***Must meet certain requirements to qualify.***

You will also receive the care and attention every person managing incontinence deserves: A personalized list of 100% insurance-covered incontinence supplies, a dedicated Continence Care Specialist you can contact during business hours, a user-friendly online portal for easy monthly reordering, and educational content.

Get the continence care you need with the dignity you deserve. Join the Aeroflow Urology family today! It only takes 5 minutes to get started.

A Flexible Spending Account (FSA) is an account dedicated to reimbursing your or your family members' out-of-pocket medical expenses and medical supplies, such as deductibles, co-insurance, prescriptions, and copays. FSA accounts are great for those with a medical condition with predictable, high medical costs.

You sign up for an FSA through your employer during open enrollment and set the amount you'd like to contribute each year, with a maximum of $3,200. The contributions you make are automatically deducted from your paycheck and not taxed. 

Your funds will remain in your FSA account until you request reimbursement for your purchases. However, the contributions expire at the end of the year, so you must use all of your FSA dollars before the year ends so you don't lose them.

Your contributions aren't taxed and can be deducted from your gross income, reducing your income tax.

The main advantage of an HSA over an FSA is that it functions as a savings account owned by the employee.

You can purchase your products with a debit or credit card and then get reimbursed through your HSA or FSA. It's essential to keep your receipts to get reimbursed. 

Some providers issue debit cards for you to purchase your products, but this is optional to use your funds.

Unfortunately, you can't use an FSA if you have a Marketplace health insurance plan. However, you can set up an HSA through your employer if you have a high deductible. 

Unfortunately, pediatric diapers like Pampers don't qualify as eligible expenses through an FSA or HSA. However, if your toddler or child has a diagnosed medical condition that keeps them from being potty trained or has delayed potty training, their incontinence products would qualify for eligibility. A Letter of Medical Necessity (LMN) may be required before reimbursement. 

Many brands offer child and youth incontinence products, including overnight diapers and pull-ups for bedwetting. Some of our favorite HSA / FSA-eligible products include: 

While incontinence supplies are a medical necessity for many people, most private insurance companies do not cover the costs. The financial burden can be too much for those who do not qualify for Medicaid.

Fortunately, options to help reduce the costs include FSAs, HSAs, and Medicaid plans.

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Disclaimer

Information provided on the Aeroflow Urology blog is not intended as a substitute for medical advice or care from a healthcare professional. Aeroflow recommends consulting your healthcare provider if you are experiencing medical issues relating to incontinence.