Yes, nursing bras are eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA). These bras are considered medical expenses because they assist with breastfeeding, which is a medically recognized activity.
Why Are Nursing Bras FSA/HSA Eligible?
Nursing bras are FSA/HSA eligible because they are classified as breastfeeding supplies, which are considered medical expenses under IRS Code Section 213(d). These bras provide necessary support and functionality for nursing mothers, making breastfeeding easier and more accessible. They are a key part of postpartum care, facilitating milk expression and feeding, which are critical for the health of both mother and baby.
The IRS guidelines include breastfeeding supplies, such as nursing bras, breast pumps, and milk storage bags, as reimbursable items to support maternal and infant health. This ensures that mothers have access to the tools they need for effective breastfeeding.
How to Purchase a Nursing Bra With an FSA/HSA
Take a trip to a few stores to find a comfortable nursing bra of high quality before settling on one design. Because they are all FSA/HSA eligible, you should be able to buy one from your store of choice. When the time comes to pay for the bra, swipe your FSA/HSA card instead of your regular debit or credit card, and the payment should reflect on our Flexible Spending Account (FSA) or Health Savings Account (HSA) statement.
If you’re having trouble paying via your FSA or HSA, you can also do it out of pocket and request a retrospective reimbursement. You might want to check with the retailer first to ensure they can provide a detailed purchase receipt. Here are the details your FSA/HSA provider will need to process a reimbursement:
Name of the provider
Date of purchase/service rendered (note that for services, they must be rendered within the plan year for FSAs)
Description of items/services rendered
Itemized list of products purchased with UPCs (if purchasing items at a retailer that doesn’t accept FSA/HSA cards or if using a regular credit card)
Total amount of purchase
What Other Nursing Items Are FSA/HSA Eligible?
In addition to nursing bras, several other nursing-related items are FSA/HSA eligible, including:
- Breast Pumps and Accessories: Essential tools for expressing milk, including replacement parts and milk storage bags.
- Nursing Pads: Disposable or reusable pads designed to absorb breast milk leaks.
- Nipple Creams: Medicated creams to treat cracked or sore nipples, a common issue for nursing mothers.
- Milk Storage Bags: Specifically designed for safely storing and freezing breast milk.
- Nursing Pillows: Specially designed pillows that provide support for both the baby and the mother during breastfeeding.
These items must be used exclusively for medical or breastfeeding purposes to qualify for reimbursement. Always check with your FSA/HSA provider to confirm eligibility.
