Yes, CPAP Machines are eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is a CPAP Machine FSA/HSA Eligible?
A Continuous Positive Airway Pressure (CPAP) machine is eligible for reimbursement under a Flexible Spending Account (FSA) or Health Savings Account (HSA) because it is a medically necessary device prescribed for the treatment of sleep apnea, a recognized medical condition. Under IRS guidelines, expenses for medical equipment used to manage or treat a diagnosed condition are qualified medical expenses.
CPAP machines deliver a steady stream of air to keep airways open during sleep, providing relief for individuals with obstructive sleep apnea. As they address a specific health issue and improve quality of life, these devices fall squarely within the scope of eligible medical expenses defined by IRS Code Section 213(d).
How to Purchase a CPAP With an FSA/HSA
Although you can purchase several Continuous Positive Airway Pressure (CPAP) accessories on buyFSA.com or our mobile app, it’s advisable to use an official CPAP website to find a suitable machine. You may also need the advice of your doctor regarding the appropriate machine. Some insurers may also require a Letter of Medical Necessity (LMN) from your physician. Buying or renting a CPAP machine involves various regulations from health insurers, and it is prudent to familiarize yourself with these before purchase.
Some insurers only pay a percentage of the product, so once on a CPAP website, you’ll find the information you need regarding payment via FSA/HSA or out-of-pocket . Many users pay via credit card or PayPal account and claim reimbursement from their provider later. Click on your desired product and add it to your cart. Then, navigate to the checkout and complete the payment.
Submit your proof of payment and invoice with the following information for 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 buying items at a retailer that doesn’t accept FSA cards or if using a regular credit card)
Total amount of purchase
