FSA provides a tax-advantaged way to save on eligible healthcare expenses. But are breast pumps FSA-eligible?

This is a common question for expectant and new mothers looking for ways to save on purchasing a breast pump.

By the end of this article, you will better understand whether you can use your FSA for a breast pump and save money on this essential baby gear.

So, let’s dive in!

The short answer is yes; breast pumps are FSA-eligible. According to the Federal Food and Drug Administration (FDA), breast pumps are considered medical devices and are therefore eligible for reimbursement through an FSA.

This means you can use your pre-tax FSA funds to pay for a breast pump, which can save you anywhere from 20-30% on the cost of this important item.

However, certain conditions must be met for a breast pump to be considered FSA-eligible.

For a breast pump to be eligible for reimbursement through an FSA, it must meet the following criteria:

• The breast pump is used to lactate or suppress lactation. This means that both electric and manual breast pumps are eligible as long as they are used to feed or provide nutrition for an infant.
• The breast pump must have a medical purpose. This means a physician, a recognized health care provider, or a midwife prescribes it.
• The amount reimbursed cannot exceed the actual cost of the item. If you purchase a breast pump through insurance, you cannot also seek reimbursement from your FSA for the same item. You can only be reimbursed for the out-of-pocket expenses.
• The breast pump must not be considered a luxury or convenience item. This can vary depending on your specific FSA plan, so it’s important to check with your employer or FSA provider to ensure that the breast pump you purchase is considered eligible.

While most breast pumps are FSA eligible, not all qualify under every FSA plan.

It’s essential to understand your FSA’s specific terms and conditions to ensure the pump you purchase aligns with their eligibility requirements.

Generally, standard electric and manual breast pumps that serve a medical purpose are covered.

However, certain accessories or luxury items, such as high-end models with additional, non-medical features, may not be eligible for reimbursement.

Additionally, some FSA plans may limit the reimbursement of bundled packages, including extra items like bags, bottles, or cleaning supplies.

To avoid surprises, review your plan details and consult with your FSA provider if you are uncertain about the eligibility of a specific breast pump or any accompanying items.

Many breast pump parts are FSA eligible, but this depends on their medical necessity and your specific FSA plan’s guidelines.

Replacement parts, such as tubing, valves, flanges, and membranes, are typically covered since they are essential for the proper functioning of the breast pump. These components are often considered necessary to maintain a hygienic, efficient breastfeeding process.

However, not all accessories may qualify. Items like carrying bags, coolers, or decorative cases, considered convenience or non-medical items, are less likely to be reimbursed.

To ensure you can use your FSA for replacement parts, thoroughly review your plan’s terms or consult your FSA provider for clarification. 

Using your FSA to purchase a breast pump is simple. Here are the steps you should follow:

1. Obtain a Prescription: The first step in using your FSA for a breast pump is obtaining a prescription from a medical professional like your doctor or midwife. 

2. Purchase the Breast Pump: Once you have your prescription, you can purchase the breast pump that best fits your needs and budget. 

3. Save and Submit Receipts: Keep all receipts related to the breast pump purchase handy as evidence of payment. 

4. File for Reimbursement: Submit the necessary documentation to your FSA provider for reimbursement. This may include a completed reimbursement form, prescription, and receipts. 

5. Wait for Reimbursement: Your FSA provider will process your claim and reimburse you for the eligible amount. Note that depending on your specific plan’s procedures, this may take a few weeks.

In conclusion, the answer is yes for those wondering whether breast pumps are FSA-eligible.

If it meets specific eligibility requirements, FSA allows you to use pre-tax dollars to pay for a breast pump.

It’s essential to carefully review your plan’s terms and conditions to ensure that your FSA will cover the breast pump and any accompanying items you purchase.

By taking advantage of this benefit, you can save money on an important and necessary item for new mothers and their babies.  Happy pumping!