Yes, hot packs are eligible for purchase with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Are Hot Packs FSA/HSA Eligible?
Hot packs are used to relieve muscle pain, stiffness, cramps, and joint discomfort associated with various medical conditions such as arthritis, injury recovery, or chronic pain. Because they provide therapeutic heat for the treatment of a specific medical issue, hot packs are considered eligible medical expenses under IRS Code Section 213(d).
According to the SIGIS Eligible Product List Criteria, hot and cold packs used for medical treatment are FSA- and HSA-eligible.
FSA- and HSA-eligible hot pack products include:
Reusable gel or clay-based heat packs
Microwaveable hot packs or wraps
Electric heating pads (when used for medical purposes)
Moist heat packs designed for therapeutic use
Targeted hot packs for the back, neck, knees, or shoulders
These products are intended to reduce pain and improve mobility, making them eligible for reimbursement when used to treat a medical condition.
What’s Not Covered?
Products marketed only for relaxation, spa use, or general comfort are not eligible. This includes:
Aromatherapy heat packs or lavender-scented spa wraps
Luxury or decorative heating products not labeled for therapeutic use
Weighted blankets with warming features (unless medically necessary and prescribed)
To qualify, the product must be labeled and marketed as a hot pack for pain relief or therapeutic heat treatment.
How to Buy Hot Packs with Your FSA or HSA
You can purchase hot packs directly at buyFSA.com using your FSA or HSA card. Every item listed on buyFSA.com is FSA- and HSA-eligible, so there’s no guesswork or reimbursement hassle.
If purchasing elsewhere:
Use your FSA or HSA card at checkout (in-store or online)
Look for products clearly labeled for therapeutic heat or pain relief
Save your receipt in case your plan administrator requests documentation
Avoid items marketed solely for spa, comfort, or relaxation use
For more information, refer to the SIGIS Eligible Product List Criteria.
