Are Sanitary Napkins FSA Eligible?

Whether you’re trying to stay healthy or save some money, it’s important to know what’s covered by your Flexible Spending Account (FSA). Read on to find out if sanitary napkins are eligible for reimbursement.

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What is an FSA?

An FSA is a flexible spending account that allows you to set aside pretax dollars to pay for out-of-pocket medical, dental, and vision expenses. If your employer offers an FSA, you can contribute up to $2,650 per year (as of 2020). The money in your FSA can be used to pay for sanitary napkins, tampons, and other menstrual products.

What are some examples of FSA-eligible expenses?

There are a number of eligible expenses that can be covered by an FSA, including:

-Doctor’s visits
-Dental care
-Vision care
-Prescription medications
-Over-the-counter medications (with a doctor’s prescription)
-Fertility treatments
-Mental health services
-Weight loss programs (with a doctor’s prescription)
-Smoking cessation programs (with a doctor’s prescription)

Are sanitary napkins FSA eligible?

Most people don’t know that sanitary napkins are FSA eligible. With that said, there are some restrictions. For example, you can’t use your FSA debit card to purchase them. However, you can submit a claim for reimbursement. So, if you have an FSA and you want to purchase sanitary napkins, be sure to keep your receipts and submit a claim form for reimbursement.

How can I use my FSA to pay for sanitary napkins?

There is some confusion about whether or not sanitary napkins are considered a “medical necessity” and therefore eligible for reimbursement through a Flexible Spending Account (FSA). The IRS defines FSA-eligible expenses as “those that are for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body.”

Sanitary napkins are not specifically mentioned in the IRS definition, but many people argue that they fall under the “treatment” category because they are necessary for women to manage their menstrual cycles. Some FSAs will reimburse for sanitary napkins if you have a doctor’s prescription, but others will not. It is important to check with your plan administrator to see what is covered.

What else do I need to know about using my FSA for sanitary napkins?

In order to use your FSA for sanitary napkins, you’ll need to purchase them with a credit or debit card that has the FSA logo. Some stores also sell gift cards that can be used to purchase FSA-eligible items.

It’s important to keep in mind that you can only use your FSA for products that are considered “medically necessary.” This means that you can’t use your FSA to purchase things like tampons or pads for recreational use (i.e., you can’t use your FSA to purchase tampons to have on hand in case you get your period while on vacation).

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