Yes, pregnancy tests are eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA). These over-the-counter (OTC) items are explicitly included under IRS Code Section 213(d) and qualify as eligible medical expenses.
Why Are Pregnancy Tests FSA/HSA Eligible?
Pregnancy tests are FSA/HSA eligible because they are classified as medical devices that serve a diagnostic purpose. They allow individuals to confirm pregnancy by detecting the presence of specific hormones (hCG) in urine, which is a critical step in prenatal care. The IRS and SIGIS guidelines specifically include diagnostic tools like pregnancy tests as reimbursable medical expenses. Moreover, under the CARES Act of 2020, OTC products like pregnancy tests do not require a prescription for FSA/HSA eligibility, making them a convenient and accessible purchase.
How to Purchase Pregnancy Tests With an FSA/HSA
Browse FSA/HSA approved pregnancy tests on buyFSA.com or OUR mobile app and select the one you want by clicking the add to cart button. You can click checkout to proceed with the purchase from the cart page. Enter your FSA/HSA card details in the boxes provided to make the payment directly from your Flexible Spending Account or Health Savings Account.
Alternatively, you can enter your regular credit card details to pay out of pocket. Make sure you save a copy of the receipt and send it to your provider for reimbursement later. The receipt must contain the following information for successful 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 Pregnancy Items Are FSA/HSA Eligible?
In addition to pregnancy tests, several other pregnancy-related items are FSA/HSA eligible, including:
Ovulation Tests: Kits designed to detect ovulation, assisting in family planning.
Prenatal Vitamins: Vitamins recommended by healthcare providers for pregnancy. These often require a letter of medical necessity for FSA/HSA eligibility.
Maternity Support Belts: Belts designed to alleviate back pain and support the abdominal area during pregnancy.
Breast Pumps and Accessories: Items used for breastfeeding, including storage bags and replacement parts.
Always verify eligibility with your FSA/HSA provider and retain receipts for reimbursement claims to ensure compliance.
