Can You Buy Tampons With Hsa
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Whether you have employer-based health insurance, private health insurance, or something else, you may have the option of setting up an FSA or HSA. Talk to your insurance plan provider for more detailed information on product eligibility and how to access coverage with your FSA or HSA.
Tampons are feminine hygiene products made with soft, absorbent that are designed to control the flow of menstrual blood by being inserted into the vagina during the menstrual period. Although these products were classified as "cosmetics" for much of the 20th century, in 1976, the U.S. Food and Drug Administration (FDA) reclassified them as medical products as they are "intended to affect the structure or any function of the body of man or other animals, and which does not achieve any of its primary intended purposes through chemical action within or on the body of man or other animals and which is not dependent upon being metabolized for the achievement of any of its primary intended purposes."
Menstrual products - including tampons, pads, liners and other similar products - are now considered qualified medical expenses, and Americans can use their health savings account (HSA), flexible spending account (FSA) and health reimbursement arrangement (HRA) to purchase these products.
All period products are covered by Section 3702 of the CARES Act and are eligible to be purchased using your HSA or FSA dollars. This includes tampons, pads, period underwear, menstrual cups, menstrual discs, reusable cloth pads, and even menstrual cup wash.
You can purchase products with your HSA debit card. If you don't have a card or prefer not to use it, the other option is to pay out of pocket and file for reimbursement. Find how to do both options in this guide.
Nearly all of our store's selection is eligible for HSA/FSA, however certain items we sell such as lubricant or books, are not. You will want to pay using your HSA card with only eligible items in your cart.
We denote which products are eligible in the product listing's page. Our system does not distinguish between "eligible" and "ineligible" products automatically at check out so please look over your selections carefully when paying with your HSA Card.
Using the receipt provided in your email, you can file for reimbursement with your insurance company for your period products. Most companies have an easy to use online portal for reimbursement submissions, others may require a phone call or mailed proof. You are responsible for finding out how to contact and file with your HSA/FSA provider.
Most of our customers are able to submit their claims using the email receipt we provide with your order confirmation. If this receipt is not accepted, you can email firstname.lastname@example.org for an alternate version.
You are entitled to spend your HSA/FSA dollars on period products. Unfortunately, the onus is on you and your insurance company to settle any disagreements if they deny your claim. You may have to call your provider and speak with a customer service specialist to explain why and how period products are covered.
Our system automatically provides you with a receipt that itemizes each product in your purchase. We also designed our receipts to classify each item as what type of period product it is, knowing that insurance companies are not familiar with what reusable period products are or look like.
One of the provisions in the CARES Act, passed on March 27, 2020, is the expansion of flexible spending accounts (FSAs) and health savings accounts (HSAs) to cover feminine hygiene products. This includes items like pads, liners, and tampons; as well as, alternative and sustainable options like menstrual cups, sponges, and period underwear.
The changes in legislation brought about by the CARES Act create broader access to critical products by allowing women to purchase them with pretax dollars in an HSA or FSA. PayFlex accountholders with debit cards can use their card to purchase period products from drugstores like CVS or they can purchase the items and submit the receipt for reimbursement.
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Winter may be behind us, but cold and flu season never really goes away. As much as 20 percent of the U.S. population gets the flu, on average each season. Fortunately, the over-the-counter medicines taken to cope with a severe cough or congestion are now eligible expenses.
Thirty percent of American adults and 40 percent of children suffer from allergies. And the cost of allergies to the healthcare system is estimated at $18 billion. Those who do have allergies can now find relief with their HSA and FSA funds in the form of over-the-counter antihistamines and decongestants.
It's also important to keep a record of the expenses you pay with your HSA, HRA, or FSA in case Cigna asks you to prove that an expense was eligible for reimbursement from your account, or in case you are audited by the IRS. Examples of records you should keep include: receipts, Explanation of Benefits (EOB), medical diagnosis/physician diagnosis letters, and prescriptions.
After-sun gel/lotions with aloe - (Effective January 1, 2020, a doctor's prescription for reimbursement is no longer needed) Expenses for medicated gels and lotions to treat effects of sun exposure are covered.
Breast reduction - Medical expenses related to breast reduction surgery are reimbursable only with a physician's diagnosis letter explaining that the procedure is medically required and not for cosmetic purposes (that is, to prevent or treat an illness or disease).
Infertility - Medical expenses related to the treatment of infertility are reimbursable. Eligible expenses may include egg storage, egg donor costs, infertility monitors, in-vitro fertilization, and sperm washing. Surrogate costs associated with a qualified dependent of the taxpayer are reimbursable and may include such things as blood compatibility testing and psychological exams. If the surrogate mother is not a qualified dependent of the taxpayer, the costs that the surrogate mother incurs are not reimbursable. Storage costs associated with the freezing of blood cords, embryos, placentas and sperm (sperm banks) are generally reimbursable when a specific medical condition exists. Additionally, these costs are reimbursable only for a limited period until they can be used to treat the existing condition (generally up to one year). Medical diagnosis is required. Pre-seed moisturizer is not reimbursable.
Lead-based paint removal - The cost of removing lead-based paints from surfaces in a home to prevent a child who has (or has had) lead poisoning from eating the paint are reimbursable. These surfaces must be in poor repair (peeling or cracking) or within the child's reach. The cost of repainting the scraped area, however, is not reimbursable.
Menstrual care/feminine hygiene products - Effective January 1, 2020, menstrual care/ feminine hygiene products are allowed. This may include, but not limited to, tampons, pads, liners, cups, sponges, and other similar products. See Over-the-counter medications.
Orthodontia - Services are reimbursable. This type of service does not fit the normal 'fee for service' arrangements seen with other care, and reimbursement can be made once charges have been billed. This can be a one time fee less any amount paid, or to be paid by your insurance plan, or as you are billed each month.
People with an intellectual disability, special home for - The cost of keeping a person with an intellectual disability in a special home (not the home of a relative) on the recommendation of a physician to help the person adjust from life in a mental hospital to community living is reimbursable.
Spider vein therapy - Spider vein therapy (with sclerosing agent injections) is considered cosmetic and is not covered. However, if the therapy is for a condition other than cosmetic treatment of spider veins, the charges are reimbursable when accompanied by a medical diagnosis.
Therapy - Amounts paid for Therapy received as medical treatment are reimbursable. Payments made to an individual for special exercises or music therapy administered to a child with an intellectual disability are also reimbursable. These so-called "patterning" exercises consist mainly of coordinated physical manipulation of the child's arms and legs to imitate crawling and other typical movements. See Fitness programs or Massage.
Vitamins - Daily multivitamins taken for general well-being are not reimbursable. Vitamins taken as treatment for a specific medical condition are reimbursable with a medical diagnosis. See Prenatal vitamins.
The CARES Act of March 2020 expanded the benefits of HSAs and FSAs by removing the prescription requirement for several OTC drugs and medicines, and by adding feminine hygiene products to the list of expenses eligible for reimbursement. This means you can now use your HSA or FSA to reimburse yourself for several everyday items, or if you have a debit card associated with your account, you can use the card to pay for them directly.
Prior to the passage of the act, these items were only eligible for reimbursement with a prescription. Now that the prescription is no longer required, you can make these purchases using the pre-tax funds you've set aside. 781b155fdc