No, a Waterpik flosser is not universally eligible for reimbursement through a Flexible Spending Account (FSA) or Health Savings Account (HSA). However, it may qualify if it is deemed medically necessary for managing a specific dental or medical condition and accompanied by a Letter of Medical Necessity (LMN) from a healthcare provider.
Why Are Waterpik Flossers Not FSA/HSA Eligible?
Waterpik flossers are primarily classified as general dental hygiene tools and are not automatically considered medically necessary. According to IRS Code Section 213(d), FSA and HSA funds can only be used for items or services that treat, diagnose, or manage a specific medical condition.
While Waterpiks can provide dental benefits, such as improving oral hygiene and preventing gum disease, they are generally viewed as personal care products, similar to toothbrushes and regular floss, unless prescribed for a medical condition. For example, they may become eligible if a healthcare provider determines they are necessary for managing:
Gum Disease: To reduce plaque and promote gum health.
Diabetes: As part of a dental hygiene regimen to prevent complications related to oral infections.
Post-Surgical Dental Care: To maintain cleanliness following oral surgery or other dental work.
How to Purchase a Waterpik Item With an FSA/HSA and an LMN
If your healthcare provider determines that a Waterpik is medically necessary, follow these steps to purchase it using FSA/HSA funds:
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Consult Your Healthcare Provider:
Speak with your dentist or doctor to determine whether a Waterpik is essential for managing a diagnosed condition.
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Request a Letter of Medical Necessity (LMN) that includes:
Your diagnosis.
How the Waterpik will help manage or treat your condition.
The specific benefits of using the device.
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Verify Eligibility With Your FSA/HSA Provider:
Submit the LMN to your FSA/HSA administrator to confirm that the Waterpik qualifies for reimbursement.
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Purchase the Waterpik:
Browse Waterpik products online or in-store, adding your selection to your cart.
Use your FSA/HSA card to pay if the retailer accepts it. If not, pay out-of-pocket and save your receipt.
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Submit for Reimbursement (if necessary):
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If you pay out-of-pocket, provide your FSA/HSA provider with:
A copy of the LMN.
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A receipt that includes:
Name of the retailer or provider.
Date of purchase (must fall within the FSA plan year).
Description of the product purchased.
Itemized details with UPCs if applicable.
Total purchase amount.
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Keep Documentation:
Retain copies of the LMN and receipts for your records in case additional verification is required.
