Does an FSA Cover a Breast Pump?

A Flexible Spending Account (FSA) offers a valuable way for individuals to pay for qualified medical expenses with pre-tax dollars. These employer-sponsored accounts allow you to set aside a portion of your income before taxes are withheld, effectively reducing your taxable income. Breast pumps and their associated supplies are considered eligible expenses under FSA plans, providing a financial benefit for new parents.

Eligible Breast Pump Expenses

The Internal Revenue Service (IRS) clarified that breast pumps and supplies assisting lactation qualify as medical care expenses, making them eligible for FSA reimbursement. This classification recognizes their role in affecting a bodily function of the lactating individual. A wide range of breast pump types and related accessories are covered.

Both manual and electric breast pumps, including personal use and hospital-grade models, are eligible for FSA coverage. While health insurance often covers one breast pump, an FSA can be used for a second pump. Many accessories and supplies are also eligible, such as breast milk storage bags and bottles, replacement tubing, and pump parts. Other covered items include nipple shields, nipple creams like lanolin, and nursing pads for breastfeeding-related issues. Cleaning supplies for breast pump components also qualify.

While the IRS ruling did not require a prescription for FSA reimbursement of breast pumps, some FSA administrators or plans may request one. This prescription, or a Letter of Medical Necessity (LMN), helps establish the medical necessity of the item. Documentation should include the medical need for the breast pump or supply and the specific item recommended by a healthcare provider. Obtaining this documentation in advance can streamline the reimbursement process if your plan administrator requires it.

Using Your FSA for Reimbursement

Accessing your FSA funds for breast pump expenses involves two main methods: using an FSA debit card or submitting a claim for reimbursement. Many FSA plans provide a dedicated debit card, which functions similarly to a regular debit card. When using this card, it is advisable to keep all itemized receipts, as your FSA administrator may require them for substantiation.

If you pay for the breast pump or supplies out-of-pocket, you can submit a claim for reimbursement from your FSA. This process requires obtaining a claim form from your FSA administrator, often available through an online portal or by mail. You will need to attach itemized receipts showing the purchase date, item description, and amount paid. If a prescription or LMN was required by your plan, it should be included.

Claims can be submitted online, via mail, or by fax, with processing times ranging from a few business days to a week. Reimbursements are often issued via direct deposit or a check. It is important to be mindful of the “use-it-or-lose-it” rule, meaning most FSA funds must be used within the plan year or are forfeited. However, many employers offer either a grace period, up to 2.5 months after the plan year ends, or allow a carryover of a limited amount of unused funds, such as up to $660 for the 2025 plan year, into the next year. Understanding your specific plan’s rules regarding these extensions can help you maximize your FSA benefits.