Can I buy a baby monitor with my FSA or HSA?
While traditional baby monitors are not covered by your FSA/HSA, there are eligible variations of baby breathing monitors and baby movement monitors. So, are baby monitors FSA/HSA eligible? It is not so straightforward. We’ll clarify which baby monitors qualify for FSA/HSA reimbursement and highlight the differences between traditional baby monitors and Flexible Spending Account (FSA) and Health Savings Account (HSA) eligible breathing and movement monitors.
Understanding FSA and HSA Eligibility
Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) allow you to use pre-tax dollars for eligible medical expenses. “Medical expenses” have a specific definition under the tax code which results in a delineation between approved and non-approved baby monitors.
Traditional Baby Monitors: Ineligible for FSA/HSA
Traditional baby monitors are designed primarily for audio and visual monitoring of your baby. They typically include a camera and audio receiver, allowing parents to keep an eye on their child from another room. While these monitors are valuable for parental peace of mind, they generally do not qualify for FSA/HSA reimbursement.
Features of Traditional Baby Monitors:
- Audio and Video Monitoring: Allows parents to hear and see their baby from a distance.
- Night Vision: Many models offer night vision capabilities to monitor your baby during the night.
- Range: Typically has a range to cover multiple rooms.
Why are traditional baby monitors ineligible for FSA/HSA spend?
Traditional baby monitors are primarily considered convenience items rather than medical necessities, making them ineligible for FSA/HSA coverage.
Eligible Baby Monitors: Breathing and Movement Monitors
On the other hand, certain specialized monitors, such as baby breathing monitors and baby movement monitors, may be eligible for FSA/HSA spend. These types of monitors fall within the criteria of a “qualified medical expense” and therefore are covered with both your FSA and HSA.
1. Baby Breathing Monitors
Baby breathing monitors track your baby’s breathing patterns and can alert parents to irregularities. These monitors ensure your baby is breathing normally, especially during the first few months of life when respiratory issues may arise.
How They Work:
- Sensor Technology: Many breathing monitors use sensors placed under the crib mattress to detect movements or breathing patterns. There are also unique wearable products such as Owlet Smart Socks that can accurately report on your baby’s health.
- Alerts: If the monitor detects a lack of movement or irregular breathing, it sends an alert to the parent, promoting timely intervention.
Benefits:
- Peace of Mind: Provides reassurance for new parents, particularly those with preterm infants or respiratory concerns.
- Quick response: Quick response to any breathing irregularities can prove to be invaluable when considering health outcomes.
2. Baby Movement Monitors
Baby movement monitors focus on tracking your baby’s movements during sleep. These devices can alert parents if their baby hasn’t moved for a specified period.
How They Work:
- Movement Detection: Similar to breathing monitors, these devices often use sensors that track the baby's movements in the crib.
-
Safety Alerts: Alerts parents if no movement is detected over a set time frame.
Benefits:
- Increased Safety: Helps ensure the baby is safe while sleeping, reducing anxiety for parents.
Summary: Eligible vs. Ineligible Baby Monitors
| Type | Description | FSA/HSA Eligibility |
| Traditional Baby Monitor |
Audio and video monitoring |
Ineligible |
| Baby Breathing Monitor |
Tracks breathing patterns |
Eligible |
| Baby Movement Monitor |
Monitors baby’s movements during sleep |
Eligible |
If you’re considering purchasing a baby monitor, opt for one that aligns with your baby’s health needs and is an FSA/HSA qualified expense. This way you can save on what otherwise can be a hefty out of pocket expense.
One of our favorite picks for new parents is the Owlet Smart Sock Breathing Monitors which your baby can comfortably wear and keep parents updated with their baby's health via the Owlet app.
1. Can I use my FSA/HSA to purchase any type of baby monitor?
No, only specific monitors designed for health monitoring, such as baby breathing and movement monitors, are eligible.
2. How do I know if a product is FSA/HSA eligible?
Check the product description and eligibility guidelines provided by your FSA/HSA administrator or check the BuyFSA eligibility list.
3. What documentation do I need for reimbursement?
Typically, you’ll need a receipt and possibly a letter of medical necessity from a healthcare provider if you’re paying out of pocket. BuyFSA provides compliant receipts that can be used to for reimbursement, if needed.
