Yes, midwife services are fully eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA) when provided for prenatal care, labor and delivery, or postpartum recovery.
Why Are Midwife Services FSA/HSA Eligible?
Midwives are licensed healthcare professionals who provide medical care throughout pregnancy, childbirth, and the postpartum period. Their services are considered medically necessary and fall under the definition of qualified medical care in IRS Code Section 213(d), which includes expenses for diagnosis, treatment, and prevention of disease.
According to IRS Publication 502, expenses for maternity care provided by licensed professionals are eligible, including services performed by certified nurse-midwives and other licensed midwifery practitioners.
FSA- and HSA-eligible midwife services may include:
Prenatal exams and monitoring
Labor and delivery support (in hospitals, birthing centers, or home births)
Postpartum care and recovery visits
Education on childbirth, breastfeeding, and newborn care
Collaboration with obstetricians or medical staff, if needed
- Follow-up medical care related to complications or healing
What’s Not Covered?
The following are not eligible:
Services provided by individuals who are not licensed or certified midwives
Non-medical doula services (unless part of a prescribed treatment plan for a medical condition)
General wellness or parenting classes not related to maternity care
Childcare or household support not related to medical care
To qualify, services must be medically necessary and provided by a licensed or certified midwife.
How to Use Your FSA or HSA for Midwife Services
You can use your FSA or HSA card to pay for midwife services directly. If you pay out of pocket:
Request an itemized receipt or invoice detailing the services, provider name, and dates of care
Save any related prescriptions or care plans from a healthcare provider
Submit documentation to your FSA or HSA administrator for reimbursement, if required
For more information, refer to IRS Publication 502.
