Are Breast Pumps FSA Eligible?

A Flexible Spending Account (FSA) offers a tax-advantaged method for individuals to manage various healthcare expenses. This employer-sponsored benefit allows employees to set aside pre-tax dollars from their paycheck into a dedicated account. These funds can then be used to cover qualified medical expenses, effectively reducing an individual’s taxable income. Understanding what expenses qualify for FSA reimbursement helps individuals maximize the benefits of these accounts.

Eligibility for Breast Pumps

Breast pumps and related supplies are generally eligible for reimbursement through a Flexible Spending Account. The Internal Revenue Service (IRS) determined that these items qualify as medical care expenses. This classification stems from their purpose in affecting a structure or function of the lactating woman’s body.

This designation means breast pumps are considered durable medical equipment, not merely general wellness products or feeding equipment. The IRS ruling includes breast pumps and supplies that assist lactation because of their recognized health benefits for both mothers and infants. Individuals can use their FSA funds to purchase these items without needing a prescription.

Eligible Items and Services

Many items and services associated with breast pumping are eligible for FSA reimbursement. This includes the breast pump itself, whether electric, manual, or wearable. Various breast pump supplies are also covered, necessary for the pump’s operation and milk collection.

These eligible supplies often include tubing, valves, flanges, connectors, and breast milk storage bags or containers. Items that enhance the pumping experience or maintain hygiene, such as pumping bras, breast milk cooler sets, and hygienic wipes, may qualify.

Nipple creams, nursing pads, and nipple shields, which address common issues during lactation, are also eligible. While most breast pumps and accessories are eligible, excess bottles solely for food storage are not included.

Using Your Flexible Spending Account

Accessing FSA funds for eligible breast pump expenses involves specific steps. Many FSA plans provide a dedicated debit card, usable directly at the point of sale for eligible purchases. This method simplifies the process, as the card automatically draws from the available FSA balance.

If direct payment with the FSA card is not feasible, individuals can pay out-of-pocket and submit a claim for reimbursement. For reimbursement claims, detailed documentation is necessary, including itemized receipts showing the purchase date, item description, and cost.

While a prescription or Letter of Medical Necessity (LMN) is not required for breast pumps due to their established eligibility, retaining all purchase records is a sound practice. Claims for reimbursement are submitted through an online portal, mobile application, or by mail, depending on the FSA administrator. Funds contributed to an FSA are subject to a “use-it-or-lose-it” rule, meaning unspent funds by the end of the plan year may be forfeited, though some plans offer a grace period or a limited rollover amount.