No, protein powder is not eligible for reimbursement through a Flexible Spending Account (FSA) or Health Savings Account (HSA). It is categorized as a general health and wellness product rather than a medically necessary item under IRS guidelines.
Why Is Protein Power Not FSA/HSA Eligible?
Protein powder is primarily marketed as a dietary supplement to support fitness goals, muscle recovery, and general nutrition, which are considered wellness purposes. According to IRS Code Section 213(d), FSA and HSA funds can only be used for products that diagnose, treat, or manage specific medical conditions. Since protein powder is not tied to a specific medical need, it does not meet the criteria for FSA/HSA reimbursement.
Even if a healthcare provider recommends protein powder, it is typically viewed as a supplement for overall health rather than a treatment for a diagnosed condition. This places it in the same category as multivitamins or fitness-related products, which are generally ineligible for reimbursement.
Are There Exceptions for Protein Powder?
Protein powder may qualify for FSA/HSA reimbursement in rare cases if it is prescribed by a healthcare provider to treat or manage a specific medical condition, such as:
Malnutrition or Underweight: If prescribed as part of a medical nutrition plan to address severe malnutrition or weight loss due to illness.
Post-Surgical Recovery: For individuals requiring protein supplementation as part of recovery from surgery or injury.
Chronic Conditions: For patients with medical conditions requiring high protein intake, such as renal disease (with appropriate formulation).
To qualify, you would need a Letter of Medical Necessity (LMN) from your doctor stating the specific condition being treated and why protein powder is essential for your health. The purchase would also need to be verified by your FSA/HSA provider.
