FSA and HSA FAQs

Short answer, yes. Most COVID-19 At-Home Testing kits like Binaxnow from Abbott, Ellume Rapid Testing Kit, and the Flowflex kit, among others, are FSA and HSA eligible, and should be available at most online and in-store retailers you shop at. However, it is important that you talk with your benefits administrator prior to purchasing a COVID kit as they may have a different POV as to what’s eligible OR there’s a chance that your insurance will cover it for free (which will be better off than using your tax-advantaged account). Kits are being rapidly released into the market, and unfortunately information is scarce and there is a chance that you’ll pick up a kit that hasn’t been approved for FSA eligibility yet.

Additionally, finding a rapid COVID-19 testing kit may be tough, but you’ll likely find more consistent stock on Amazon, CVS, Walgreens, Rite Aid, Optum, and Walmart.com. As always, talk to your benefits administrator for the most up to date information regarding what you should do with your benefits card and purchasing OTC COVID-19 Testing kits. 

According to the NIH, melatonin is a hormone that your brain produces in response to darkness to help you fall asleep.

Melatonin supplements are very common nowadays and many people consider it a part of their daily regimen as a sleep aid. Unfortunately, melatonin is typically not eligible with your FSA or HSA card unless your doctor is able to write a prescription for it.

IF you are looking for an FSA or HSA eligible sleep aid, you are able to purchase sleep aids that have an active ingredient in them, such as Zzzquil which contains Diphenhydramine HCl. You can find these items here on amazon.

Looking for more recommendations on products to help you fall asleep, stay asleep, and wake up refreshed, while saving money? Click here for my favorite FSA and HSA eligible sleep aids!

Getting a good night sleep is very top of mind for anyone’s health, but unfortunately buying a mattress to improve your sleep health is not an FSA or HSA eligible expense. 

IF you are looking to use your FSA or HSA card for a better night of sleep, you are able to purchase sleep aids that have an active ingredient in them, such as Zzzquil which contains Diphenhydramine HCl. You can find these items here on amazon.

Looking for more recommendations on products to help you fall asleep, stay asleep, and wake up refreshed, while saving money? Click here for my favorite FSA and HSA eligible sleep aids!

Yes, sunblock or sunscreen is an FSA and HSA eligible expense as long as the product is rated broad spectrum, and has an SPF of 15 or higher. Cosmetic or beauty products that happen to have SPF 15 or higher may be eligible, but you may have a harder time getting this expense approved. Some of your favorite brands like Supergoop!, Elta, Coola, Sun Bum, Coppertone, are FSA and HSA eligible!

Would you like to learn more about FSA and HSA eligible sunscreen? Check out my favorite picks here! 

Yes! As of March 2020, tampons from your favorite brands U by Kotex, Tampax, Seventh Generation, Playtex, Rael, are now eligible with your flexible spending account (FSA) or health savings account (HSA) card. Using your FSA or HSA card to buy tampons is a great way to save you or your dependents money! You can check out Amazon’s FSA eligible and HSA eligible tampons here!

Looking for tampon alternative recommendations to help you survive the tampon shortage of 2022? Check out our new blog here! 

Yes, Lasik laser eye surgery is FSA eligible, HSA eligible, and HRA eligible. They are usually not eligible for your dependent care FSA (DCFSA). If you were someone who was sick of using their FSA card for glasses and contacts, you can now save your money for Lasik eye surgery! 

Some body fat and weight scales are FSA eligible and HSA eligible. It is important to note that in order for a scale to be eligible, it will have to measure body fat %. As always, please go over your eligibility concerns with your HR administrator. 

Click here for FSA guide’s top FSA and HSA-eligible weight scales!

Most vitamins and supplements are typically not eligible with your FSA card, your HSA card, and your HRA card. However, there are a few vitamins that are eligible. Most prenatal multivitamins, glucosamine, and fertility aid vitamins are eligible with your FSA or HSA card. 

If you’re looking for more suggestions on what to buy with your FSA or HSA card, check out our What to Buy guides!

You can shop all FSA and HSA eligible vitamins on Amazon here! You will find FSA and HSA eligible brands like Smartypants vitamins, Vitafusion, Olly prenatal vitamins,

Yes, digestive and heartburn medicine such as Pepto Bismol, Nexium, Tums, Miralax, Dulcolax, Omeprazole, and more are eligible with your FSA card, HSA card, and HRA card. Whether you need relief after superbowl weekend, or your a chronic heartburn or GERD sufferer, you will now have wallet relief knowing that you can save money buying these medications. 

Shop FSA and HSA eligible digestive and heart burn GERD relief medicine on Amazon.com here! 

Yes, currently legal abortions and legal abortion related expenses are eligible with your flexible spending account card (FSA) and health savings account card (HSA).

With the recent news from the supreme court around their formal opinion on abortions, it is unclear where legal abortions will stand at the federal level. If it’s up to the states, then there’s a chance you will have to work with your individual employer and HR admin on the eligibility requirements specific to your location.

Can I use my FSA card or HSA card to cover transportation expenses towards getting a legal abortion?

According to the IRS, you are allowed to use your flexible spending account (FSA) or health savings account (HSA) to cover travel expenses for qualified medical expenses. This would be for surgery, doctor visits, dental work, anything that is qualified for your FSA. 

Considering that legal abortion is viewed as a medical expense, it would make sense that your FSA or HSA card would cover the travel. However, considering that there may be a state by state opinion of this matter, it’s important to cover off on these expenses with your FSA administrator for their interpretation. 

Contraceptives like condoms and Plan B (Levonorgestrel) are eligible with your flexible spending account (FSA) and health savings account (HSA) card. 

Click here for all FSA and HSA eligible contraceptives on Amazon!

Yes, condoms from brands like Trojan and Lifestyles are eligible with your flexible spending account (FSA) and health savings account (HSA).

No, because Marijuana is not federally legal, you cannot use your FSA or HSA card to purchase medical marijuana. The IRS determines what is eligible with your FSA or HSA card.

Depending on your state, you may be able to reimburse your out of pocket / co-pay for the doctors visit that leads to a medical marijuana card. Always consult with your doctor and your benefit administrator for more information.

For the most part, weighted blankets are not traditionally eligible with your FSA card or HSA card. You may be able to obtain a Letter of Medical Necessity (LMN) from your doctor, which your FSA or HSA administrator may accept. 

Yes, chirp wheels are eligible with your FSA card and your HSA card! You can shop for the chirp wheel here on Amazon!

You can also shop directly on Chirp’s website because they now accept FSA and HSA cards!

No, Waterpik and other general dental hygiene products are not eligible with your flexible spending account (FSA) and health savings account (HSA). 

No, electric toothbrushes like Sonicare and other general dental hygiene products such as floss, Waterpiks, and mouthwash are not eligible with your flexible spending account (FSA) and health savings account (HSA). 

Yes, certain massage guns are considered FSA eligible. Recently, the Theragun became FSA and HSA-eligible. You can buy the Theragun, Theragun Pro, and Theragun Prime over at BuyFSA.com.