FSA & HSA Eligible Products Medically reviewed by Suhanee Chudasama, RN-BSN | WellBefore Editorial Team Use your pre-tax health spending dollars on the products you need — directly at checkout, no paperwork required. TL;DR WellBefore accepts FSA and HSA cards directly at checkout — no reimbursement forms needed. Eligible products include breast pumps (all models), incontinence products, COVID tests, first aid supplies, and select oral care items. Most insurance plans also cover one breast pump free under the Affordable Care Act. What Are FSA and HSA? Flexible Spending Account (FSA) An FSA is an employer-sponsored benefit that lets you set aside pre-tax money for qualified medical expenses. You choose an annual contribution amount during open enrollment, and those funds are available to spend on eligible health products and services throughout the plan year. FSA funds typically follow a "use it or lose it" rule, so it pays to spend them before your plan deadline. Health Savings Account (HSA) An HSA is a personal savings account paired with a high-deductible health plan (HDHP). Contributions are tax-deductible, growth is tax-free, and withdrawals for eligible medical expenses are also tax-free. Unlike an FSA, HSA funds roll over year after year and the account is yours even if you change employers. Eligible Product Categories The following WellBefore product categories qualify for FSA and HSA spending. 🤱 FSA/HSA Eligible Breast Pumps All models — manual, electric, and portable. Accessories and replacement parts included. 🩺 FSA/HSA Eligible Incontinence Products Adult diapers, protective underwear, pads, and liners for daily comfort and confidence. 🧪 FSA/HSA Eligible COVID Tests At-home rapid antigen and PCR collection kits. Stock up for peace of mind. 🩹 FSA/HSA Eligible First Aid Bandages, antiseptics, wound care, and complete first aid kits for home and travel. 🦷 FSA/HSA Eligible Oral Care Select dental and oral hygiene products that qualify under FSA/HSA guidelines. How to Pay with Your FSA/HSA Card It works just like any other debit or credit card. Four steps, zero paperwork. 1 Add eligible items to your cart Browse the categories above and add FSA/HSA eligible products. 2 Proceed to checkout Review your order and head to the payment step. 3 Enter your FSA or HSA card details Type in your card number, expiration, and CVV exactly as you would with a regular card. 4 Done — your order is placed No claim forms, no reimbursement requests. Your pre-tax funds are applied instantly. Insurance Coverage for Breast Pumps Under the Affordable Care Act (ACA), most health insurance plans are required to cover the cost of a breast pump for pregnant and nursing mothers. This means you may be able to get a breast pump at no out-of-pocket cost through your insurance, separate from your FSA or HSA funds. Coverage details vary by plan — some insurers cover manual pumps, others cover electric models, and many let you choose. Contact your insurance provider or check your plan documents to see what is included. Even if your insurance provides a pump, you can still use FSA/HSA funds for additional pumps, accessories, replacement parts, and storage supplies that your insurance may not cover. Learn More at Healthcare.gov → Good to Know ✓ No forms to fill out. Your FSA/HSA card is processed at checkout just like a regular payment method. ✓ Works like a credit card. Enter your card number at the payment step and the transaction is handled automatically. ✓ Save your receipt. Keep your order confirmation email in case your plan administrator requests documentation. ✓ Check your plan eligibility. FSA/HSA rules vary by employer and provider. Confirm which product categories your plan covers before purchasing. Frequently Asked Questions Can I use my FSA card at WellBefore? Yes. WellBefore accepts FSA and HSA debit cards as a payment method at checkout. Simply enter your card details on the payment page the same way you would a regular credit or debit card. Eligible products will be charged directly to your FSA/HSA balance. Are breast pumps FSA/HSA eligible? Yes. Breast pumps are classified as eligible medical devices under IRS guidelines. This includes manual pumps, electric pumps, portable pumps, and related accessories like flanges, tubing, and storage bags. All breast pump models sold at WellBefore qualify for FSA and HSA spending. Are adult diapers and incontinence products eligible? Yes. As of recent IRS updates, incontinence products — including adult diapers, protective underwear, pads, and liners — are eligible expenses under both FSA and HSA plans. You can purchase these items at WellBefore and pay directly with your benefit card. What if my FSA/HSA card is declined? A declined card usually means one of three things: insufficient balance, the product is not classified as eligible by your specific plan, or your card has not been activated. Check your account balance through your benefits portal, confirm activation with your plan administrator, and try again. You can also pay with a regular card and submit for manual reimbursement through your plan. 900K+ Customers served 4.5 ★ Trustpilot rating Free Shipping On orders $79+ Shop Breast Pumps Shop Incontinence