Are Diapers FSA / HSA Eligible?

Sticky note that says "Flexible Spending Account"

Key Takeaways:

  • Generally, adult diapers and other incontinence supplies are eligible for purchase or reimbursement with FSAs / HSAs.
  • Aeroflow Direct offers a variety of adult incontinence products eligible under FSAs / HSAs.

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.


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.

What Is FSA?

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.

What Is HSA?

A Health Savings Account (HSA) is also used to pay for medical supplies and expenses which are not covered by your insurance. Similarly to an FSA, you can choose the amount you'd like to add, and the contributions are automatically added to the account from your paycheck.

Anyone can contribute to your HSA account, such as a spouse, and unlike FSA funds that expire, the contributions you make to your HSA roll over each year. This allows you to continue adding to your HSA until you enroll in Medicare at 65.

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.

Does FSA / HSA Cover Adult Diapers?

FSA and HSA cover adult diapers and other adult incontinence products. Thousands of products qualify as HSA / FSA-eligible items, including incontinence supplies. Aeroflow Direct offers many different types of adult incontinence products that are FSA and HSA eligible, including:

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. 

Does FSA / HSA Cover Pediatric Diapers?

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: 

Does Medicaid Cover Pediatric & Adult Diapers?

Another excellent option that will save you hundreds on incontinence supplies is Medicaid. If you're a Medicaid beneficiary, your plan will cover pediatric and adult diapers if you meet the requirements provided by your state and insurance plan

You or your loved one will need to have an incontinence diagnosis and meet specific age requirements set by your state Medicaid plan.

If you are a Medicaid recipient, you may be able to get 100% free incontinence supplies with Aeroflow Urology. Receive your free products by submitting your information through our secure Eligibility Form.

Once you've applied, you'll find out if you're eligible within 1 - 2 business days. From there, you'll be sent a personalized list of your free products to choose from. Your products will be sent to your doorstep for free in discreet packaging every month.

Check Your Eligibility

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Discover the continence care essentials available through your Medicaid plan.

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What Our Customers Are Saying

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.

About the Author

Marlee Septak is the Senior Content Specialist at Aeroflow Urology. She brings a deep understanding of incontinence and health conditions associated with it to her writing. She graduated from Columbia College Chicago and holds a Bachelor's degree in Journalism. Marlee has contributed to various magazines and blogs, including Borgen Magazine, Echo Magazine, Chicago Ideas Week, Assuaged, and Peaceful Dumpling. In her spare time, she enjoys traveling, trying new restaurants, and just sitting down with a good book.


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.