Yes, durable medical equipment (DME) is eligible for purchase with a Flexible Spending Account (FSA) or Health Savings Account (HSA), as long as the item is used to treat or manage a diagnosed medical condition.
Why Is Durable Medical Equipment FSA/HSA Eligible?
Durable medical equipment refers to medically necessary devices that are prescribed or recommended to support the treatment of an illness, injury, or chronic condition. Under IRS Code Section 213(d), DME qualifies as an eligible medical expense when it is used for therapeutic purposes, serves a medical function, and is not typically useful in the absence of a medical condition.
According to the SIGIS Eligible Product List Criteria, many categories of DME are FSA- and HSA-eligible without a prescription, while others may require a Letter of Medical Necessity (LMN) depending on their purpose or classification.
Examples of FSA- and HSA-eligible durable medical equipment include:
Nebulizers and inhalation therapy devices
Glucose monitors and test kits
Crutches, canes, and walkers
Orthopedic braces and supports
TENS units (for pain relief)
Hospital-style beds or lift chairs (with LMN)
Mobility aids and bathroom safety equipment (in some cases with LMN)
Eligibility is based on medical necessity, not convenience or general wellness.
What’s Not Covered?
Equipment that is not used for medical care or that is considered personal comfort, convenience, or lifestyle enhancement is not eligible. This includes:
Exercise or fitness equipment not prescribed for physical therapy
Massage chairs or devices not intended for medical treatment
General-use air purifiers, humidifiers, or ergonomic furniture
Items used primarily for cosmetic or non-medical purposes
Some products may be eligible only when accompanied by a Letter of Medical Necessity (LMN). For example, a lift chair or specialized bed may qualify if your doctor confirms that it is required to treat a specific condition.
How to Buy Durable Medical Equipment with Your FSA or HSA
You can purchase eligible durable medical equipment directly at buyFSA.com using your FSA or HSA card. Every item listed on buyFSA.com is verified as 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)
Confirm that the item is intended to treat a specific medical condition
Save your receipt and any relevant prescriptions or documentation
Check with your FSA/HSA administrator if a Letter of Medical Necessity is required
For more information on DME eligibility, refer to the SIGIS Eligible Product List Criteria.
