How an FSA Can Help New & Expectant Parents

Posted by Danita McGinnis on

Browse our FSA-eligible classes & products here!

What is an FSA? flexible spending account is a health benefit sponsored by your employer. It allows you to set aside a portion of your paycheck up to an annual limit, and then use those funds towards certain medical expenses, tax-free. Some employers even offer matching contributions.

What kinds of things can I buy with my FSA funds? You can use FSA funds for all standard medical expenses, such as doctor's visits, prescription and over-the-counter medication, and so on - and also for a number of things helpful for parents, such as:

  • Pregnancy tests & sperm test kits
  • OBGYN, ultrasounds, & primary care
  • Childbirth classes*
  • Prenatal vitamins
  • Childbirth expenses such as hospital or midwife fees
  • Birth tub rental and TENS unit rental
  • Lactation consultant services
  • Breast/chest feeding classes*
  • Breast pumps & accessories, & breast pump rentals
  • Hands-Free Pumping Bras
  • Milk storage bags
  • Baby care items such as sunscreen, nasal aspirators, and thermometers

*Note that only classes for the pregnant or lactating parent are eligible, so if you are paying a separate registration fee for a partner or support person, their registration would not be FSA-eligible.

Are diapers FSA eligible? What about formula? Unfortunately, no. Diapers and formula are not typically FSA eligible. However, diapers for an older child that are necessary as a result of a medical condition, with a letter of medical necessity from your pediatrician, would be eligible. In rare cases, special formula that is prescribed by a physician to treat an illness would also be eligible with a letter of medical necessity. Here are some other items that are not FSA-eligible:

  • Nursing bras
  • Maternity clothing or baby clothing
  • Nursing pillows
  • Baby carriers
  • Cribs, strollers, and car seats
  • Parenting, infant care, or CPR classes
  • Herbal remedies

What about lactation supplements? Or doula services? Supplements (except for prenatal vitamins, glucosamine, and chondroitin) are not FSA eligible unless prescribed to treat a specific medical problem and documented with a letter of medical necessity. Doula services are similarly FSA eligible with a letter of medical necessity. To see other Natural Resources items that may be eligible with a letter of medical necessity, check here.

What happens if you don't use your FSA funds? Flexible Spending Accounts are "use it or lose it," so you must spend whatever amount you put into it before your plan year expires - unused money goes back to your employer. Check with your employer regarding grace periods, carryovers, and deadlines for submitting claims.

Does Natural Resources accept FSA debit cards? While we are not able to accept FSA debit cards, we do offer a number of classes and products that are eligible for FSA reimbursement. If you need another copy of the receipt for a past purchase emailed to you, just let us know! 

Browse the collection to see all the things you should be able to purchase from Natural Resources with your FSA funds. Always make sure to check with your FSA administrator if in any doubt!

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