Yes, incontinence supplies are eligible for purchase with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Are Incontinence Supplies FSA/HSA Eligible?
Incontinence products are used to manage bladder or bowel control issues, which are considered medical conditions. Because these products are used to treat or manage a diagnosed condition, they qualify as eligible medical expenses under IRS Code Section 213(d).
According to the SIGIS Eligible Product List Criteria, incontinence supplies are fully FSA- and HSA-eligible and do not require a prescription or Letter of Medical Necessity.
FSA- and HSA-eligible incontinence products include:
Protective underwear and pull-ups
Bladder control pads and liners
Male guards and shields
Bed protectors and underpads
Disposable and washable incontinence underwear
Skin barrier creams and cleansers designed for incontinence care
These products are designed to manage a medical need and are eligible for reimbursement when used to treat incontinence in adults or children.
What’s Not Covered?
Products marketed strictly for cosmetic or general hygiene use are not eligible. This includes:
Baby diapers and baby wipes (unless being used for a diagnosed condition and covered under a different product category)
Lotions or wipes not labeled for incontinence care
Underwear not specifically designed for medical incontinence support
To qualify, the item must be designed to manage involuntary loss of urine or feces and be marketed for that medical purpose.
How to Buy Incontinence Supplies with Your FSA or HSA
You can purchase incontinence supplies directly at buyFSA.com using your FSA or HSA card. Every item listed on buyFSA.com is 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)
Look for products clearly labeled for incontinence management
Save your receipt in case your plan administrator requests documentation
Avoid hygiene or personal care products not intended for medical use
For more details on eligible items, visit the SIGIS Eligible Product List Criteria.
