If you're expecting a baby and have any Health Savings Account or Flexible Spending Account benefits available, you're in luck: there are a ton of birth and postpartum extras that are covered by those dollars. From doulas to classes to baby gear, see what your HSA/FSA can provide to help you have an awesome experience!
Guide to Using This List
Most of the items on this list are directly covered by your FSA or HSA with no hoops to jump through. If the item or service is in bold, a letter of recommendation from your healthcare provider may be required as documentation. If the item or service is italicized, a prescription is required.
Pregnancy and Birth Resources Covered by FSA/HSA
When you're growing a bundle of joy and need to save some money, if you have HSA or FSA spending available through your work, you need to check out what you can spend it on! These are some resources for your pregnancy and birth that are covered.
Acupressure & Acupuncture
Belly Support Belt
Birth Doula Support
Morning Sickness Bands
Pregnancy & Birth-Related Books
Prenatal & Delivery Healthcare – home or hospital, midwife or OBGYN
TENS Therapy Unit
Postpartum Resources Covered by FSA/HSA
Once your sweet baby is here, the fun just begins! Here are some supplies and services covered by HSA and FSA to make your postpartum and parenting journey as smooth as possible.
Cord Blood Banking
Lactation Consultant Services
Mental Health Therapy
Milk Storage Supplies
Placenta Encapsulation Services
Postpartum Doula Care
Baby Resources Covered by FSA/HSA
Your baby or toddler can benefit from products and services covered by HSA/FSA as well.
Diaper Rash Ointment
Nasal Aspirator and other First Aid Supplies
Owlette Baby Breathing Monitor
How Do I Redeem My FSA or HSA Benefits for My Birth and Postpartum?
In most cases, you will have a “credit card” with a certain spending limit, and you will be able to choose what you spend it on and just swipe the card. The resources listed above in bold may require a doctor's recommendation, so be sure to have that on hand just in case you're asked for documentation later. Or, you may pay up front and submit documentation in order to receive reimbursement.
For a product, you can visit www.fsastore.com to shop for your prenatal, breastfeeding, and infant care-related supplies. They have so many great products to choose from! For a service, check with your service provider to ensure they are approved to receive these payments, then simply pay with credit card (or ask them for receipts to send in for reimbursement).