Can You Use an FSA for a Breast Pump?

A Flexible Spending Account (FSA) is an employer-sponsored benefit allowing individuals to set aside pre-tax money from their paycheck for eligible out-of-pocket healthcare costs. This offers significant tax savings, as funds are not subject to federal income or payroll taxes. FSAs provide a way to manage anticipated medical and dental expenses for oneself, a spouse, or eligible dependents throughout the plan year.

Eligibility of Breast Pumps and Supplies

Breast pumps and their related supplies are generally considered eligible medical expenses under a Flexible Spending Account. This includes both manual and electric breast pumps, as well as hospital-grade rental units. The Internal Revenue Service (IRS) has determined these items are fully eligible.

Beyond the pump itself, a wide range of breastfeeding accessories and supplies also qualify for FSA reimbursement. These commonly include breast milk storage bags, bottles designed for breast milk, tubing, flanges, and cleaning supplies like steam sterilizer bags or quick clean wipes. Nipple cream and nursing pads are typically eligible as well. A Letter of Medical Necessity (LMN) or prescription is generally not required for breast pumps or most related supplies, as they are recognized as over-the-counter medical devices.

Using Your FSA for Reimbursement

Accessing FSA funds for eligible expenses like breast pumps can be done through an FSA debit card or by submitting a claim for reimbursement. Many FSA plans provide a debit card linked directly to the account, which can be used at the point of purchase at pharmacies, doctor’s offices, or medical supply stores. This method offers immediate payment from your pre-tax funds, streamlining the process.

If an FSA debit card is not available, or if a transaction is declined, you can pay for the eligible expense out-of-pocket and then submit a claim for reimbursement to your FSA plan administrator. This process requires keeping detailed, itemized receipts that clearly show the date of purchase, vendor, item description, and amount paid. While a debit card reduces immediate paperwork, retain all receipts for potential substantiation or IRS audit purposes. FSA funds typically operate under a “use-it-or-lose-it” rule, meaning any unused balance at the end of the plan year may be forfeited.

However, some employers may offer a grace period of up to two and a half months into the new plan year or allow a carryover of a limited amount, such as up to $660 for 2025 plan years, but usually not both options.

Other Eligible Pregnancy and Postpartum Expenses

Beyond breast pumps, many other pregnancy and postpartum expenses can be paid for with FSA funds, helping to reduce out-of-pocket costs. Prenatal vitamins are a common eligible expense for their role in supporting fetal development. Medical co-pays for doctor’s visits and hospital stays related to maternity care are also typically covered.

Childbirth classes may be partially eligible for portions teaching medically necessary preparation for labor and delivery, such as breathing techniques or pain management. However, sections focusing on general newborn care or parenting topics are usually not eligible. Items like anti-nausea medication, certain pain relief products, and lactation consultant fees can also qualify.

While many baby-related items, such as regular infant diapers, are not eligible, specific items like diaper rash ointment, baby sunscreen, and thermometers typically are. It is always advisable to confirm the eligibility of specific expenses with your FSA plan administrator, as coverage details can sometimes vary.