Disposable Face Mask: FSA Eligibility

Disposable face masks with a Letter of Medical Necessity (LMN) from a medical doctor are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA). Disposable face masks are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

What is a disposable face mask?

Disposable face masks are loose fitting devices that create a physical barrier between the wearer's face and the breathable environment. They typically cover the wearer's mouth and nose to prevent inhalation of environmental particles that would negatively affect the wearer. Face masks are normally used, and properly labeled, for different medical procedures such as surgery or dentistry. Face masks are also used to protect wearers with specific medical conditions that might render them extraordinarily vulnerable to common environmental hazards. For example, a wearer with a weakened immune system might be at increased risk of infection during flu season while out in public, and a face mask would help protect them from becoming infected. A wearer might also carry an infectious disease which the face masks helps in preventing that disease from spreading.

In all cases, a medical doctor must write a Letter of Medical Necessity (LMN) for the user's purchase to be considered eligible for reimbursement with a consumer-directed healthcare account.

Disposable face masks are rated to filter different sizes of particles. The measurement unit is typically microns. Airborne bacteria, viruses, and fungal spores each range in size, so the hazard must be assessed in terms of what type of face mask is worn. Face masks should be thrown away securely after use, or after soiling by the environment or the wearer's breath moisture and lung secretions.

Disposable face masks should be worn after washing the hands and face, and usually have elastic bands that can be wrapped around the ears to retain the mask in place. It's important to verify, as well, which side of the mask is the front, and which is the top or bottom. Some masks will have a bendable metal clip which can fold over the nose to further help with retention.

Eligibility Table

Flexible Spending Account (FSA) Limited Care FSA Dependent Care FSA Health Savings Account (HSA) Health Reimbursement Account (HRA)

Eligible

Eligible with Rx

Eligible with LMN

Not Eligible

 


AZ-PROD-WEB02 11/18/2017 12:11:31 PM