Are Pumping Bras FSA Eligible for Reimbursement?

Understanding FSA Eligibility

A Flexible Spending Account (FSA) is a savings account that allows individuals to set aside pre-tax money for eligible healthcare expenses. Contributions are deducted directly from gross pay before taxes, reducing taxable income. An FSA helps individuals manage and pay for out-of-pocket medical, dental, and vision costs throughout the plan year.

The Internal Revenue Service (IRS) defines eligible medical expenses as costs for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for affecting any structure or function of the body. This definition guides what can be reimbursed through an FSA, encompassing a wide range of healthcare services and products. Examples include prescription medications, doctor visit co-pays, eyeglasses, and dental work.

Expenses must serve a medical purpose rather than being for general health improvement, cosmetic reasons, or personal convenience. For instance, a doctor’s visit to diagnose an illness is eligible, but a gym membership is not, as it falls under general health.

Pumping Bras and Eligibility Requirements

Pumping bras are eligible for reimbursement through a Flexible Spending Account. Their eligibility stems from direct support of a medical function related to breastfeeding and lactation, which is recognized as a health-related activity. These items facilitate the use of breast pumps, which are themselves IRS-eligible medical devices.

To claim reimbursement for a pumping bra, a detailed receipt of purchase is essential. This receipt must clearly indicate the item description, the exact date of purchase, and the total cost. A generic receipt or a credit card statement showing only the amount will not suffice for FSA administrators.

Sometimes, an FSA administrator may request a Letter of Medical Necessity (LMN) from a healthcare provider. This letter explains the specific medical condition or reason for the item, how the pumping bra addresses that condition or supports the medical need, and the duration for which the item is considered necessary.

Confirm specific requirements with your FSA administrator before making a purchase. While many administrators follow general IRS guidelines, their individual policies regarding documentation can vary.

Making Your FSA Claim

After gathering all necessary documentation, initiating an FSA claim involves accessing your FSA administrator’s designated platform. Most administrators offer an online portal or a dedicated mobile application. Some providers allow claims to be submitted via a paper claim form through postal mail.

The process requires you to upload or attach the prepared documentation, such as your detailed purchase receipt and, if requested, the Letter of Medical Necessity. Ensure that all uploaded images or attached files are clear and legible. You will then complete the claim form, which involves entering basic information about the expense, such as the date of service and the amount.

Upon submission, the claim enters a processing phase, which can vary in duration depending on the administrator. Claims are processed within a few business days to a couple of weeks. Once approved, reimbursement is issued via direct deposit to a linked bank account or by a physical check mailed to your address.