Wondering which fertility and pregnancy products are covered by your FSA or HSA? Everything you lot demand to know is in this guide.

Let's face up it. No i is a big fan of paying the bills—particularly when it comes to paying for healthcare expenses. Even with a great insurance plan, medical costs tin can be expensive, and the piggy bank can accept a hit. In an effort to reduce your personal healthcare costs, it may be valuable to investigate if yous qualify for an FSA or HSA account. Both government-established programs, FSAs and HSAs exist to ease financial burdens and promote the affordability of healthcare.

What is an FSA / HSA?

Flexible Spending Arrangements (FSA) and Health Savings Accounts (HSA) are tax-advantaged accounts that are commonly offered as fringe benefits to employees equally role of an insurance plan. These accounts are part of federally funded government programs and can often exist used in conjunction with qualified insurance plans to help cover eligible healthcare expenses.

While both FSAs and HSAs can aid in reducing healthcare costs, it is important to take note of the fundamental differences between accounts in order to understand how an HSA or FSA may apply to you.

  • An HSA is a medical savings account available to those who accept enrolled in a loftier-deductible insurance policy. Unlike an FSA, self-employed taxpayers with high-deductible insurance policies may also create an account. Additionally, funds placed into an HSA business relationship may rollover from twelvemonth to year while FSA funds will non. Please note that if you are eligible for Medicare, Medicaid, or are claimed equally a dependent on another'due south tax return, an HSA will not exist available to you.
  • An FSA is an employer-established benefit program . This means that this type of account is only bachelor when offered to employees by their employer. This account is owned past the employer, and the allotted funds exercise not roll over from year to twelvemonth.

What fertility and pregnancy products and services are covered past FSA / HSA?

HSAs and FSAs are meant to encompass " qualified medical expenses " as defined by the IRS. This includes copayments, deductibles, and other health-related expenses including condoms, sunscreen, bandages, and heating pads. When information technology comes to fertility- and pregnancy-related expenses, the following are included as eligible co-ordinate to the IRS:

  • Breast pumps and supplies
  • Diagnostic devices (like our At-Home Sperm Test)
  • Pregnancy tests
  • IVF and other fertility procedures
  • Ovulation Tests
  • Prescribed medicines
  • Vasectomies
  • Vitamins "recommended by a medical practitioner as handling for a specific medical condition" (e.grand. if your OBGYN recommends Prenatal Vitamins or Iron)
  • Weight-loss programs

Here is a comprehensive listing of qualified medical and dental expenses covered by FSA and HSA.

Which Natalist products are covered by FSA/HSA?

For most FSA/HSA programs, Natalist'south Prenatal Daily Packets , Pregnancy Tests , midstream Ovulation Tests, Ovulation Test Kit, The Exam Pack, Women'southward Fertility Exam Bundle, and At-dwelling Sperm Analysis are eligible for coverage. The Lube, Iron, Prenatal for him, and Cobweb may be eligible with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), wellness savings business relationship (HSA) or a health reimbursement arrangement (HRA). Notwithstanding, we recommend reviewing your individual programme to ensure you qualify for reimbursement.

You can either use your FSA/HSA debit card when checking out on our site, or file for reimbursement (more on that below).

Note: While The Get Meaning Bundle contains items such as our Conception 101 volume that do not qualify as an FSA/HSA eligible product, upon asking, we can provide y'all with an itemized receipt for qualifying items in your package so you can log them for reimbursement if needed.

How to submit for HSA / FSA reimbursement

Reimbursements are simple and generally don't require claim forms. Each plan may vary in the documentation required for reimbursement, simply most merely require a receipt of buy of the qualifying item (electronic mail confirmation or paper receipt). Occasionally, you may likewise exist required to provide an itemized receipt of your purchase forth with a medical letter of necessity. We suggest logging into your provider's online portal (or calling them) for specific instructions.

When purchasing from Natalist, you can either utilize your FSA/HSA debit card, or employ the itemized receipt (which will be in your inbox after you lot make a purchase). If you take whatsoever questions or specific requests regarding your HSA/FSA-eligible Natalist purchases, delight contact us at support@natalist.com.

Timing guidelines for FSA /HSA reimbursement

For FSA reimbursements, nosotros recommend filing every bit before long as possible. Time limits may vary with private plans, and some plans but give you lot until the end of your program year. We recommend reviewing your programme for personal time constraints or grace periods.

On the opposite, because HSA program accounts may roll over from year to year, there is no time limitation on when reimbursement claims must occur. Information technology is of import to annotation that y'all can not reimburse yourself for expenses that occurred prior to opening your HSA account. Regardless, make certain to salve your receipts in the rare case of an IRS audit.

Be organized with your reimbursements

While dealing with healthcare and medical expenses can be a hurting (sometimes, quite literally), generally speaking, nigh FSA/HSA reimbursements should exist a breeze as long as yous accept the proper steps to utilize your funds within the designated fourth dimension frames and be sure to double check for any limitations in your private programme.

And once again, we strongly recommend that you proceed any purchase receipts and documentation for qualifying expenses that you lot may be charged out of pocket.