Groundhog Day is a yearly event where Americans turn to a giant rodent to predict the end of winter. It's also a popular movie starring Bill Murray in which his character re-lived the same day over and over, until he got the details right. Let's focus on the latter.
Because FSAs are a great way to save on medical costs by using tax-free money, the last thing you want to do is relive the same mixups you made with your spending in previous years. Maybe you spent your money too quickly. Maybe you left funds in your account and lost them. No matter the issue, balanced yearly spending comes down to having a plan.
Take a look back
A great method to plan for this year is to look back at your expenses from 2017:
- What product(s) contributed most to your FSA spending?
- Did you find yourself short of an FSA-eligible product when you most needed it?
- What product(s) did you run out of because it wasn't in the usual FSA purchase list?
- Did you have a surprise expense, such as a medical emergency or a newly diagnosed condition?
- Did you end up buying FSA-eligible products or services with post-tax dollars?
Answering these questions will provide a head start to where you want to spend your FSA contributions, as well as when you want to spend those dollars.
Take a look around
When putting together your budget, be sure to leave about 10-20% of your funds aside to cover unexpected medical expenditures. Whether this is the cost of medication, an emergency room visit, or a trip to a specialist, you'll have additional breathing room by using tax-free funds.
After all, the 2018 flu season has been one of the worst in decades, so it's good to get ahead of the bug by putting a little money aside.
On that note, if there's one expense you should factor into your budget for 2018, it's an appointment with your primary care doctor to get a full assessment of your well-being. With a better understanding of your health, you'll have a much better idea of what your medical spending will be over the course of the year.
Take a look ahead
The best way to avoid losing your FSA dollars at the end of the year is to create a budget that outlines how much you have in the account to spend, as well as the expenses you know will be needed over the course of the year.
When planning your FSA spending, you might have the option to roll over up to $500 into the next program period, as well as a 2 ½ month grace period to move into next year's plan from this year's contributions.
On the other side of the coin, even with this flexibility, you might want to leave wiggle room in the account for unexpected mishaps that might be eligible for FSA spending. This includes any FSA-eligible services you might need, and keeping your medicine cabinet supplied with essentials, such as first-aid products.
The key takeaway is to not be like Bill Murray in "Groundhog Day." Though no one can predict the future, planning your FSA spending can help you avoid reliving the same situations again.
Flexible spending accounts (FSAs) today can be one of the mostly useful tools an employee can have, but historically, FSAs had been a healthcare benefit without the best reputation. It used to be that rigid deadlines, eligibility requirements and other features that required due diligence made FSAs notoriously difficult to use. But as the tech revolution has altered the way we perform countless daily activities, it has also made managing an FSA more accessible than ever before.
If you're on the fence about enrolling in an FSA, the following tech developments in recent years may convince you to give them another shot!
- FSA debit card
By far one of the biggest developments in the FSA world is the arrival of the FSA debit card. Traditionally, FSA expenses were paid for with the account holder's own cash, check or credit card, and then these expenses were submitted for reimbursement to the FSA plan sponsor with the required documentation (receipts, invoices, etc.). The vast majority of benefits providers will now issue FSA debit cards for account holders, which dramatically simplifies the claims process and makes it easier for you to pay for out-of-pocket healthcare costs. Just be sure to hold onto your receipts in case your administrator requires you to submit documentation.
- FSA portals
Most FSA administrators offer 24/7 access to your FSA account details through a dedicated FSA portal. Your FSA portal will typically allow you access to your account balance, the ability to submit and manage claims online, contact information, and much more. FSA portals make it easier than ever to manage consumer-directed healthcare accounts.
- FSA educational tools
The crisis surrounding FSAs for decades was always a question of education - whether educational resources were made available to workers and whether HR managers could answer in-depth questions related to FSA rules and regulations set forth by the IRS. At FSAstore.com, we know that consumer education is one of the biggest stumbling blocks to FSA enrollment, which is why we've created a whole suite of FSA Educational Tools to help you cover every angle of your account. These include:
- FSA Eligibility List: The web's most comprehensive eligibility list with over 800 entries detailing medical products/services and their eligibility with FSAs, HSAs and other consumer-directed healthcare accounts.
- FSA Learning Center: Have a question about your FSA? Explore our extensive educational resources or submit a question 24/7 to our FSA experts.
- FSA Calculator: We've created a way to calculate exactly how much FSA money you should set aside based on your income, marital status and state.
- FSA Tracker: Not all FSA plan years are the same, so make sure you stay on top of your deadline. Submit your FSA deadline in our FSA Deadline Tracker for email reminders sent to you when your deadline is around the corner.
by Donna Crisalli, FSAstore.com Technical Advisor
To be reimbursable from an FSA or HSA, an expense must be for medical care. Some items or services may be for medical care or may be for personal use. To tell the difference, plan administrators often request a “letter of medical necessity," or LMN.
An expense is for medical care if the primary purpose for the expense is to treat, cure, mitigate, diagnose, or prevent a disease or illness, or to affect a structure or function of the body. Items and services that usually are personal, such as air conditioners, may be used for medical purposes, for example to reduce the symptoms of asthma. Other items and services, such as vitamins and exercise equipment, usually are used to maintain general good health, which is not medical care eligible for reimbursement, but may be used to treat or mitigate a disease, such as high blood pressure, osteoporosis, or obesity.
An item or service is reimbursable as medical care only if an individual's primary purpose for the expense fits within the definition of medical care. Because a plan administrator is unable to look into someone's mind, the plan administrator will look at certain objective facts and circumstances to determine an individual's purpose. These include:
(1) Has a doctor or other medical professional determined that the individual (or a qualifying family member) has a disease or illness?
(2) Has a medical professional recommended the item or service to treat, mitigate, etc., the medical condition?
(3) Is the item or service medically effective?
(4) How soon did the individual purchase the item or service after the diagnosis of the medical condition?
(5) Are there less expensive treatments?
These questions don't need to be asked if the item or service has no use other than medical care (for example, x-rays and other diagnostic tests, supplies and equipment such as bandages and wheelchairs). These facts are relevant only when an item has a non-medical use. They are guidelines for a plan administrator to determine if a personal use item is medical care, based on all the facts and circumstances of a particular case.
There is no set requirement that every one of the facts and circumstances is present in every case. However, it always will be necessary to determine that a medical condition is present and that the item or service is for the treatment or improvement of the medical condition. The letter of medical necessity provides the plan administrator with at least this information. (The term “letter of medical necessity" is misleading because there is no requirement that the treatment is necessary if it is for medical care. It is the shorthand plan administrators use for a letter from a health provider providing this basic information.)
However, a letter from a doctor or other health care practitioner stating that there is a medical condition and prescribing the item or service may not provide all the information a plan administrator may need. First, the medical use has to be the primary purpose for the expense. Second, the expense is not reimbursable if the individual would have purchased it anyway (would not have purchased it without the medical condition, a requirement called the “but for" test). The plan administrator may ask for information relating to some or all of the other facts and circumstances to determine if the medical use is the primary purpose for the expense and whether the “but for" test is satisfied.
Let's apply these rules to some concrete examples.
Jack's doctor diagnoses Jack with a heart condition. The doctor recommends light exercise, such as brisk walking, to lessen the symptoms and reduce the risk of a heart attack. The next day Jack buys a $500 pair of athletic shoes and begins walking a mile every day. Jack has never walked for exercise or owned athletic shoes. Jack has a medical condition that the shoes will help, he buys the shoes right away, and he has never owned this type of shoes before. Jack did not buy the cheapest shoes available, but the rest of the facts and circumstances show that his primary purpose in buying the shoes is to help his heart condition and he would not have bought them “but for" the medical condition. Jack may be reimbursed for the athletic shoes from his FSA.
Jill has high blood pressure. Her doctor suggests she buy a blood pressure monitor. Jill buys a smart watch, which has a blood pressure monitoring function. Jill owns a smart watch but was thinking about upgrading it. After buying the new watch, she does not have to buy another blood pressure monitor. Jill has been using a smart watch, planned to buy one before the doctor made the recommendation, and chose an expensive device with many other functions besides monitoring blood pressure. Although Jill may use the watch for a medical purpose, the facts and circumstances show that the medical function is not Jill's primary purpose in buying the watch and she would have bought it or a similar watch even if she did not have the medical condition. The smart watch is not eligible for reimbursement.
James has emphysema. His doctor recommends light exercise, but James also has severe arthritis and is unable to walk for exercise. He builds a simple lap pool in his yard and uses it only to swim laps, which he does most days. His family members also sometimes swim laps in the pool. James works long hours and lives in a remote area, and it is not convenient for him to go to a gym or other facility with a pool on a regular basis. James uses the pool for medical purposes, he built it only after receiving the doctor's advice, and he built the most basic pool for the purpose. There are reasons why he does not engage in another kind of exercise. Although his family members also sometimes use the pool, the facts and circumstances indicate that James's primary purpose in building the pool is to treat his emphysema and he would not have built the pool otherwise. James may use his HSA for the cost of the pool.
Jane has not had a medical condition and has been getting massage therapy once a month to reduce stress and improve her general good health. Jane's chiropractor diagnoses Jane with muscle strain from lifting a heavy object and suggests massage therapy might help the condition. At her next massage therapy appointment, Jane asks the therapist to focus on the strained muscles. Jane may have a medical purpose for this particular massage therapy appointment, but the facts and circumstances indicate that the medical purpose is not her primary purpose and she would have had the massage therapy even without the medical issue. Jane is not entitled to reimbursement for the massage therapy.
In each of these situations, a LMN would tell the plan administrator that there is a medical purpose for the athletic shoes, the smart watch, the swimming pool, and the massage therapy, which usually are personal and not medical expenses. The plan administrator would need to know more of the facts and circumstances, however, to determine whether the medical purpose is the primary purpose and if the “but for" test is satisfied. This additional information may be included in what the plan administrator calls a “letter of medical necessity" or the plan administrator may request it separately.
These rules may seem very complicated, but when the answer to the question “is this an expense for medical care" depends on the facts and circumstances, there is no simple answer that applies in every case.
Each month, we receive hundreds of great questions from our customers about everything relating to FSAs in ourFSA Learning Center. This past May, we received a bunch of fantastic questions relating to product eligibility and account coverage, which may be helpful to other FSA users as well.
Here are our favorite Learning Center questions that could help you see your consumer-directed healthcare account in a new way. And if you have a question of your own, feel free to drop by and ask a question and we'll respond ASAP!
"Does an Letter of Medical Necessity (LMN) have to be signed by an M.D.?"
Anyone who is qualified to diagnose and assign treatment of a legitimate medical condition can fill out a Letter of Medical Necessity (LMN), but it is left up to the benefits administrator to determine whether this product/service would be eligible for FSA reimbursement. Before making an appointment with a doctor or specialist regarding a specific medical product/treatment, check with your benefits administrator to ensure that they will accept an LMN from this individual.
"My podiatrist wrote me a prescription for orthopedic shoes. Since it's medically necessary, can they be purchased using my FSA card?"
Ask your benefits administrator! Orthopedic shoes may be a qualifying expense with appropriate documentation, such as a letter stating that they are medically necessary to treat a specified condition, or, as shoes are a common everyday expense, it may be that your administrator will only reimburse you for the difference in cost of the specialty shoes over the cost of regular shoes. Check with your FSA plan administrator to see what is required to be reimbursed for the cost of orthopedic shoes and what exactly can be reimbursed.
"How do I get reimbursed for a prescription I paid for with my own money?"
FSA users can pay for qualifying prescriptions and other products/services with their FSA debit cards. Qualifying products/services that are purchased with one's own money can be reimbursed by filing a claim. Hold onto any receipts/invoices you may have for qualifying purchases, as these will be submitted with a claim form to your benefits administrator to process for reimbursement.
"Changing jobs and old FSA balances - how can I use those balances after I leave employer?"
You should liquidate your balance BEFORE leaving your employer. Employees who switch jobs have the freedom to spend whatever they allocated to their FSAs before leaving their position, as these funds will be forfeited if they are not used before termination. Employees also have the option of opening another FSA at their next job provided that it's offered.
"May I use my FSA for a dependent who has turned 26?"
You may submit eligible expenses for reimbursement for products/services incurred by your adult children up to age 26. Each plan will define at what point a dependent will no longer be qualified, which may be the day in which they turn 26 or the end of the plan year for the year in which they turn 26, so you will need to contact your FSA administrator for further details on your plan.
When it's an especially beautiful day, it can feel like a crime to stay indoors. So it's no coincidence that many of us will use the warmer weather to jump start a fitness plan. To help you gear upfor summer, FSAstore.com/HSAstore.com has your back with our Shape Up for Summer Sweepstakes!
To enter, visit our contest page and fill out the entry form for a chance to win this epic health & fitness prize package:
- 2 pairs of Physiclo Pro Resistance Workout Shorts, Capris or Leggings ($250 value)
- Summer Sunscreen Bundle from FSAstore.com ($150 value)
- Water Fall Home Filtration System + 2 Water Bottles from KOR Water ($125 value)
- 3 Month Supply of Premium Omega 3 Plus and Vitality Force Supplement from Athlete's Best ($200 value)
- 40-day Organic Superfood Smoothie Box from Raw Green Organics ($160 value).
Our contest runs until May 12, 2017, so submit your entry now and let your friends and family members know about our sweepstakes too! Good luck and be sure to check our blog on Mother’s Day weekend when we’ll announce the lucky winner.
Now, what are you waiting for? Use your FSA funds to stay safe and healthy all year long!
Each month, we receive hundreds of great questions from our customers about everything relating to FSAs in ourFSA Learning Center. This past April, we received a number of fantastic questions relating to product eligibility and account coverage, which may be helpful to other FSA users as well.
Here are our favorite Learning Center questions that could help you see your consumer-directed healthcare account in a new way.
"How do I get reimbursed for a humidifier?"
Humidifiers are only eligible for FSA reimbursement with a Letter of Medical Necessity (LMN) from a physician that is submitted with a traditional claim. This letter must outline how a humidifier will be used to treat a specific medical condition, and its pivotal role in the treatment process. We actually covered this topic in one of our most recent blog posts, as products like air filters, humidifiers and air purifiers fall into a gray area of FSA eligibility.
"Can I redact personal information on receipts that I submit for reimbursement?"
A plan administrator will need to know specific information about a potentially eligible item or service and the person for whom the claim is being submitted for in order to approve an expense. However, it may be possible to withhold certain information that a member does not wish to share on a receipt. For details on exactly what information will be needed to approve your expense, please contact your plan administrator, whose information can typically be found on the back of your account debit-card or by asking your employer for their contact information.
"Can I use my FSA to pay for prescription scuba mask?"
Scuba diving is not a medically necessary activity, therefore, it would most likely not be eligible for FSA reimbursement. However, your benefits administrator will be able to provide you with further details. Sometimes when an item must be altered to meet the needs of a medical condition, the cost difference in the specified item vs. the item without the medical component will qualify. To find out if you may be eligible to submit for reimbursement of a portion of the cost of the mask, contact your FSA benefits administrator.
"Received reimbursement for over payment from hospital. Do I need to return this money to my benefits card?"
Probably. If you paid for the expense to the hospital using your FSA debit-card, the money most likely needs to be returned to the FSA plan. To find out the details you'll need to contact your FSA administrator, whose information can typically be found on the back of your FSA debit-card.
"To get money out of my FSA, do I need to present a paid receipt or just a bill that needs paid?"
First, it's important to note that account holders do not withdraw FSA funds, rather they make direct purchases with an FSA card (similar to a traditional debit card tied to an FSA account), or expenses are paid for with traditional payment methods (cash, check, credit/debit card) and the receipt for the qualifying product/service are submitted to the benefits administrator as a claim for reimbursement. Proof of payment is typically not a required form of documentation from a benefits administrator, but you will want to direct any specific questions to them. For more information on how to use your account and file claims, speak with your FSA benefits administrator!
For everything you need to understand your FSA and spend on qualifying products, rely on FSAstore.com! We have the web's largest selection of FSA-eligible products to help you maximize the potential of your healthcare benefits!
FSAstore.com Cyber Monday Sale Extended to today! In fact, we're having an entire Cyber Week of savings for your flexible spending account!
We are extending ourCyber Monday saleanother day! In fact, we're having an entire Cyber Week of deals on FSA eligible products! Have you used your remaining flexible spending account (FSA) money for the year? Not sure yet about the healthy products you'll need for the rest of the year or for the holidays? How about medical services you could use before the end of year? Now is a great time to check in on your Flexible Spending Account, submit outstanding claims, and schedule doctor's appointments.
Do you have an upcoming FSA deadline on December 31?
If you have the December 31 FSA deadline, it's approaching very soon. If you're not sure when your deadline is or if you have a different deadline, you can still save year-round with your FSA at FSAstore.com. Learn more about product/services eligibility on the FSA Eligibility List and get answers to questionsin our Learning Center! Read articles, watch videos, and check our FAQs to learn even more about flexible spending accounts. You can also ask one of our experts a question related to FSAs, and we'll get back to you shortly.
Visit the FSAstore.com Savings Center
Sinceyou have an FSA, you're already saving on a pre-tax basis for qualified medical expenses, but you could save even more on the healthcare products you need. We recently launched a Savings Center. The Savings Center is full of exclusive discounts on different categories, for sales, and product specials! Be sure to visit it in the coming months for deals on FSA eligibleproducts.
Go tothe FSAstore.com Savings Center today
Want even more deals?Check back throughout the week for Cyber Week deals at FSAstore.com. Have you signed up for our emails? We'll share about special promotions and upcoming sales!
Looking for ideas on which products to buy? View our 2016 FSA eligible product guide for ideas!
The holiday season is almost here, and with that in mind, we've compiled our 2016 End of Year FSA Product Guide. Shop FSAstore.com for all your FSA needs!
The holiday season is almost here, and with that in mind, we've compiled our 2016End of Year FSA Product Guide. Itseems like there's no shortage of time to tackle your holiday shopping list, decorate and send out greetings to family and friends. With all those responsibilities in store, it can be easy to forget theflexible spending account (FSA) deadline, which for many account holders comes on December 31st. This is the time of year when the "use-it-or-lose-it" rule takes effect and any unspent FSA funds will be forfeited. Even if you have the FSA rollover or "grace period" in place, this is still the time of year to speak with your benefits administrator and submit claims and check your remaining balance.
What is the 2016 End of Year FSA Product Guide?
The December 31 deadline is the busiest time of year for us at FSAstore.com.Each year we tryto educate consumers on the scope of products available withFSAs. This guide can help you identify what you need to spend down your FSA and maximize the potential of your healthcare benefits.If you like the guide, share with others who have an FSA.
Here's our product guide for your FSA:
Trying to stay active this winter?
It can be difficult to stick to your fitness goals in the throes of the winter weather, but investing in your exercise routine can provide you with the boost you need to get to the gym regularly. Dealing with post-workout soreness? FSA eligible hot and cold packs, kinesiology tape, TENS Therapy machines and Braces & Elastic Supports can help stabilize injuries and speed your recovery times to help you achieve your workout goals.
Escaping the winter weather?
We all need an escape during the monotony of the winter months.No matter where you're heading, your FSA can keep you comfortable along the way. Catch some sleepon the plane with an FSA eligible orthopedic neck pillow, and stay on your feet withcushioned insoles and shoe inserts. Most importantly, make sure you're protected from harmful UV rays year-roundwithdermatological sunscreen. Check out La Roche Posay, Vichy and MDSolarSciences.
Is your first aid kit stocked?
You never know when a minor cut or scrape can happen, so it helps toprepare with first-aid supplies. Use your FSA to pick up comprehensive first aid kits, or re-stock your current kit with bandages, elastic bandages, first aid dressings and more! If you're looking for something outdoorsy, Adventure Medical Kits can stand up to the rigors of any environment.
Prepare for cold & flu season!
Cold & flu season is here, but you can prepare with your FSA! Ease nasal congestion all season long with soothing vaporizers, treat your worst symptoms with over-the-counter cough, cold & flu remedies and fight back against sinus pain and aches with pain relief products. Or if allergies are more of a problem for you or a loved one, allergy, sinus & combinations are great solutions for both cold and allergy symptoms.
Got a little one on the way?
The 12/31 deadline is right around the corner. ShopFSAstore.com for the largest selection of FSA eligible products!
Michael Phelps once again wowed at the Olympics taking home 5 gold medals and 1 silver medal! Let's see how he can recover with FSA eligible products.
By the time the 2016 Summer Olympics in Rio de Janeiro come to a close, Michael Phelps will have already become the most successful Olympian in world history. With 28 total medals to his name since his Olympic debut in 2000, Phelps took home another 5 gold medals and 1 silver medal in this year's games. With all that brilliance in the pool, we think that Phelps may need some well-deserved R&R...Let's see how Michael Phelps can recover with FSA eligible products:
Ever wondered what that special tape is that Olympians wear? Kinesiology tape is designed to aid the healing process of sore muscles and joints by providing support and stability to these areas without restricting the patient's range of motion. It can even be worn in the pool!
If Phelps is feeling any lingering soreness from his record-setting performance, then cold therapy is the perfect solution! Cold packs can ease inflammation and pain from sore muscles and joints to benefit Olympians and amateur athletes alike!
Acupressure mats target pressure points in the back and neck to reduce pain in the body and speed recovery times. These matsare extremely helpful in treating back/neck/shoulder pain, migraine headaches and even fibromyalgia pain. We think Michael Phelps will love the gold version!
Check Out: Kenko Gold Acupressure Mat with Pillow
Heat therapy is a tried-and-tested method of alleviating aches and pains due to overexertion, and heat therapy wraps are especially helpful for back injuries. These wraps are air-activated for 8 hours of relief from pain.
Michael Phelps will certainly be on his fair share of press tours in the weeks following the Olympics, so he better make sure he's protected from the sun! FSA eligible dermatological sunscreen is available in varying strengths and applications to safeguard the Olympian from UV rays wherever he's headed.
Transcutaneous Electrical Nerve Stimulation (TENS) is a type of therapy that alleviates pain by interfering with the brain's pain signals with low-voltage electric current. This is a perfect, medicine-free way to provide pain relief for a post-Olympic recovery plan!
If Michael Phelps is feeling any leg stiffness after his Olympic showing, a foot circulator can help! This provides both foot and body stimulation using electrical current, which can improve blood circulation to sore muscles and ease stiffness.
Check Out: Ultimate Foot Circulator with Remote
There's a good chance that Michael Phelps won't be out of the pool for long! If he decides to put off retirement for one more Olympic showing, he won't miss a beat in his training regimen with waterproof bandages to handle any scrapes and cuts along the way.
Blood Pressure Monitor
Michael Phelps is in the best shape of his life, but checking blood pressure levels is a good step to take for your overall health once you hit the age of 30 or older. Blood pressure monitors have evolved into versatile devices with smartphone compatibility, taking heart rate readings and tracking these numbers over time to give people a better sense of their state of health.
Check Out: Qardio Arm Wireless Blood Pressure Monitor
A sudden injury like a sprained ankle or pulled muscle can dramatically derail an Olympian's training regimen, and one of the best fixes for these acute injuries is an elastic bandage. These athletic treatments can be fashioned into slings or around a joint to immobilize the area and promote the healing process.
Check Out: ACE 3" Self-Adhering Elastic Bandage
Today is an important deadline day for some with an FSA: the March 15 FSA Grace Period ends. Shop for 15 favorite FSA eligible products.
You may have a Carryover instead of a Grace Period (you can't have both of these plan extensions), so it's good to ask your FSA administrator soon if you're not sure which one applies to your plan.Curious about more information?
View our Carryover vs. Grace Period video to hear more about these deadline extensions for FSAs. There are lots of everyday health care items you can shop for with your FSA. Check out the 15 favorite FSA eligible products we highlighted from our site before your deadline ends.
Hereare our customers' 15 favorite FSA eligible products at FSAstore.com:
1) Ultimate Foot Circulator
The AccuRelief Ultimate Foot Circulator is a pain relief device (an electrical stimulator) designed to alleviate stiff muscles, increase circulation, and reduce swollen ankles or feet. Easily take the Foot Circulator with you during travel, keep it at work, or use it at home.
Shop for: Ultimate Foot Circulator
2) Kinsa Smartphone Thermometer
Use this thermometer with your smartphone (and its free app for iOS and Android)to easily monitor fevers, and share information with family members or your doctor.
Shop for Kinsa Smartphone Thermometer
3) Boogie Wipes Saline Nose Wipes
Boogie Wipes are kid-friendly, hypoallergenic, gentle alternatives to a dry tissue. These saline wipes can help with the common cold, allergies and dissolve mucus.
Shop for Boogie Wipes
4) MyPurmist Handheld Steam Inhaler
Dealing with sinus pain, allergies or a cold? The MyPurMist Handheld Steam Inhaler is a personal steam inhaler providing maximum humidity, washing away allergens, warm steam relief for cold and flu symptoms, moisture for sinus and nose, and any discomfort from sore throats.
Shop for MyPurMist Handheld Steam Inhaler
5) Adventure Medical First Aid Kits
Confidently explore the great outdoors with comprehensive first aid kits that'll take care of minor cuts, scrapes and nuisances to keep you moving along! Adventure Medical Kits come in variety kits for family, world travel, hunting, sports and more.
Shop for Adventure Medical Kits
6) reVive Acne Light Therapy
Get rid of acne in a drug-free way. reVive Acne Light Therapy uses non-UV light in an easy-to-use device that fights acne-causing bacteria.It reduces acne flare ups and other skin ailments.
Shop for reVive Acne Light Therapy
7) Icy Hot TENS Therapy
No matter what type of pain you're experiencing, you can get relief with the same technology doctors rely on with reusable, wire-free TENS therapy. Relieve painful muscles and joints with TENS therapy at different intensity levels, as well.
Shop for Icy Hot TENS Therapy
8) La Roche Posay Anthelios SPF 50 Primer and Sunscreen
Protect your skin from sunburn or other sun damage all year long. La Roche-Posay sunscreen can easily be used every day to protect your skin from the sun - winter, spring, summer or fall.
Shop for La Roche Posay
9) Back-A-Line Premiere BIOflex Magnet Lumbar Support
Experiencing lower back pain? Get the Back-A-Line with a curved lumbar pad to alleviate pain, and improve circulation in your body.
Shop for Back-A-Line
10) Medela Freestyle Solution Set
Use your FSA for breastfeeding supplies. The Medela Freestyle solution set contains a hands-free, double electric breast pump that allow you to pump anywhere (no electric outlet nearby necessary), disposable bra pads, lanolin, quick clean bags, quick clean wipes, breast milk bags, breast milk resource guide and a storage guidelines magnet.
Shop the Medela Freestyle Solution Set
11) Kenko Acupressure Mat for Back/Neck Pain or Back Pain
Acupressure focuses on relieving pain through pressure points. These Kenko mats create targeted therapy for specific pressure points to alleviate all types of pain.
Shop for Kenko Acupressure Mats
12) Opti-Free RepleniSH Multi-Purpose Disinfection Solution (2 pack)
Keep your contact lenses clean and sterile, reduce redness and discomfort, and focus on clear and comfortable vision with Opti-Free. You can use Opti-Free with silicone hydrogel and soft contact lenses. The multi-purpose disinfection solution kills bacteria that can lead to eye infections.
Shop for Opti-Free RepleniSH
13) QardioArm Wireless Blood Pressure Monitor
Easily use the Qardio Arm at home, work or during travel to wirelessly measure your blood pressure, and hook it up to your smartphone or tablet.
Shop for QardioArm
14) Dr. Scholl's Massaging Gel Supports
Get support for your foot and heel through massaging gel waves cushion supports from Dr. Scholl's. Dr. Scholl's offers enhanced gel support in the heel and arch, so you can stay comfortable on your feet all day.
15) Get a FSA Eligible Bundle
Want a variety pack of items? Browse our Bundles for items you need. Check out the newest including the FSA Goodies Bundle, FSA Blockbuster Bundle,Hi-Tech Health Bundle and MDSolarSciences Protection Pros Sunscreen Set.
Looking for even more ideas about eligible products to use leftover FSA dollars? Shop our Grace Period Product guide:
The FSA grace period deadline is almost here. Read our Grace Period guide to discover FSA eligible products and spend down remaining FSA money.
If your FSA Grace Period deadline is on March 15, you'll want to make sure to spend any leftover FSA dollars before that date. Our Grace Period Guide to FSA Eligible Products offers tips and ideas on how you can treat yourself with the remaining money you have in your FSA! Many people often associate FSAs with eye care and doctor's visits, but these accounts can cover lots of everyday health items, including contact lens care, band-aids, hot or cold packs, breast pumps. broad spectrum, SPF 15+ sunscreen, and many more items. If you're not sure how much money you have left or when your deadline may be,just ask your FSA administrator or the HR department.
But, if you already used your FSA dollars (which is great), feel free to share the guide with a coworker or friend who could still have remaining FSA dollars,to help them use (and not lose) their hard-earned money.
We've created the Grace Period Guide to make it easy for you to shop for products, and eliminate the guesswork behind what's covered.
FSA eligible items that connect to your smartphone
Are you a fan of monitoring your health on the go? Then, check out our Hi-Tech Health category full of items that can easily connect your smartphone. You can monitor fevers, check your blood pressure and more through different FSA-eligible items. These are items including smartphone-enabled blood pressure monitors, smartphone-enabled thermometers, TENS units and much more. Shop Hi-Tech Health.
Take care of your little one at home and on the go!
Breastfeeding supplies are eligible with an FSA and sold at FSAstore.com. These items include breast milk storage milks, breast pumps, milk storage solution, and nipple shields.
Baby health care items including nasal aspirators and baby forehead thermometers provide gentle care when your baby has a fever or a cold. Shop for Baby Care with an FSA
Restock your first aid cabinet, or prepare for travel:
When was the last time you checked your medicine cabinet at home? Is your first-aid kit complete? If you've used first-aid treatments, it could be time to restock your medicine cabinet to make sure you're prepared for small cuts and scrapes at home. Shop for First Aid at FSAstore.com
If you're planning travel soon or road tripping somewhere, be sure to bring some small first-aid treatments with you. Getting stuck without a band-aid can be a pain, and your FSA covers many first-aid treatments. If you're looking for a comprehensive first-aid kit, take a look at the Adventure Medical Kits. There are many types of Adventure Medical Kits kits specific to your lifestyle needs.
If you have kids, there are many items you can keep in the car. If they have favorite cartoons, chances are you can get band-aids with these cartoon characters on them. There are also first-aid kits geared for kids, hot or cold packs with fun animals or designs, and much more. Browse our Children's First Aid category for ideas.
It's not a bad idea to invest in a defibrillator for the car in case of an emergency. The Philips HeartStart Home Defibrillator comes with step-by-step voice instructions (including a CPR coach) to help you treat cardiac arrest.
If you deal with motion sickness, know that there's a drug-free, acupressure wrist band that can help known as Psi Bands. Psi Bands can also be applied to relieve nausea due to morning sickness, anesthesia and more. Shop for Psi Bands at FSAstore.com.
Stay fit and let your FSA help:
If you work out, did you know that hot or cold therapy packs are covered by an FSA? There are many items that can help you stay on track with your fitness and provide pain relief due to sore muscles or an injury.
Check out: TheraPearl's drug-free Pearl Technology which adjusts to your body and gets you pain relief for neck, knees, puffy eyes and more. Shop for TheraPearl at FSAstore.com
If you're coping with arthritis, then Battlecreek's Thermophore MaxHeat Arthritis pad can help.
Need athletic treatments? KT Tape can provide extra support and easily stays on, whether you're sweating, in a pool, or even showering!
Take Into Account Eye Care Needs
Restock contact lenses. Did you know contact lenses and contact lens solution are covered by your Flexible Spending Account? You can restock both with your tax-free money. Shop for Contact Lenses.
Buy new prescription eyeglasses. If you recently had an eye exam and need new glasses, you can shop for prescription eyeglasses with your pre-tax FSA. Shop for Glasses.
Prepare for Colds and Allergies
Spring allergy season is just around the corner, and now's a good time to restock on the items you'll need to fight colds or seasonal allergies. Shop for vaporizers, handheld steam inhalers, neti pots and saline solution to alleviate cold symptoms quickly and naturally. Deal with congestion at the onset and go on with your week.Shop for Cold/Allergy products at FSAstore.com
Need inspiration for using your FSA dollars?
Take proper skin care. If your skin is prone to breakouts, your FSA can help with drug-free, light therapy through reVive.
Get sun protection and sun protective lip balm. Though it's not something we may think about as a year-round important item, sun care is vital to protect your skin all year long. An FSA covers broad spectrum, SPF 15+ sunscreens. Shop for Sun Care at FSAstore.com.
Relief for stiff muscles in your feet. If you're experiencing muscle pain or strain in your feet or have swollen feet or ankles, the Ultimate Foot Circulator can help.
What do you have planned for Valentine's Day? Let your FSA help you make the best of the day with these 4 FSA eligible products from FSAstore.com.
What are the stakes for this year's Valentine's Day date? Are you having a quiet dinner with a significant other, trying to rekindle an old flame or have you finally worked up the courage to ask out your big crush? Whatever the case, this is the holiday where pulling out all the stops can certainly work in your favor, so why not let your flexible spending account (FSA) get in on the action?
Your FSA covers a huge range of medical products and services, and some of these products could come in handy during your Valentine's Day exploits. Here are a few of the best options for the big night from FSAstore.com!
1) Treating the Sniffles
If you have a case of the seasonal sniffles, it's hard to look and sound your best when you're constantly sneezing and blowing your nose. Make sure to ward off nasal congestion and other cold symptoms for the holiday.
Check out: Vicks Warm Steam Vaporizer
2) Say goodbye to pain
Got a stress headache before your big date? That wouldn't be a fun reason to cancel your Valentine's Day plans! Bounce back quickly with an over-the-counter (OTC) pain reliever to get back in top form. Just remember, OTC medications require a prescription from a physician for FSA reimbursement!
Check Out: The TheraPearl Hot or Cold Pain Relief Eye Mask to treat yourself during the weekend!
Focus on vision
Your eyes are the window to your soul, but if they're irritated and bloodshot, there's a good chance that your soulful gazes will do more harm than good! Redness relief eye drops are always a good backup plan to have that will come in handy when you need them most.
Get SPF 15+Lip Balm
At the end of the night when you're leaning in for that goodnight kiss, chapped lips aren't going to do you any favors. Use medicated, sunscreen lip balm in the days leading up to your big date to ensure that your lips are in the best condition possible!
Check Out: EOS Lemon Drop Lip Balm, SPF 15, .25 oz
With the December 31st FSA deadline passed, we are re-stocking for the next big FSA deadline. And, here are 10 favorite FSA eligible products for January!
This deadline will be on March 15, after the 2.5 month FSA grace period for those with an FSA plan ending December 31. What is the grace period and how does it differ from the FSA Carryover? Watch this Carryover vs. Grace Period video for an overview of these deadline extensions and explanation of both of these extensions. There are plenty of interesting new FSA eligible products in store for the new year and available at FSAstore.com.
Here are a few of our favorites that are available right now:
This thermometer plugs right into your smartphone and comes with a free app for iOS and Android. This battery-free thermometer allows you to easily track illnesses and share information with your doctor so they can get healthy faster.
Whether you're susceptible to dry skin or nasal irritation during the common cold, saline nasal wipes are a perfect, gentle alternative to a dry tissue, especially designed for young children.
Heat therapy is a tried and true method to treat arthritis pain, and the Iso-Ball is meant to fit in the palm of the hand to provide gentle warmth while you're exercising your hand. This can be a great complement to over-the-counter (OTC) pain relievers.
Even during the winter months, your skin is at risk of sunburn and significant sun damage. La Roche-Posay sunscreen can be worn under makeup and can fit into your sun protection skin regimen seamlessly.
If you suffer from lower back pain, you know that any awkward twist or turn can re-aggravate the injury, so stabilizing this area is a must. This is one of our favorite new back supports that features a curved lumbar pad and designed for individuals with active lifestyles to reduce pain, prevent muscle atrophy and improve circulation.
A first aid kit is a must in any home, and it can make you confident in the event of an emergency that you can provide immediate care before seeking out professional medical attention. This product from the American Red Cross also comes with a handy first aid guide!
Acupressure is a pain relief method that is often referred to as "acupuncture without needles," and concentrates on pressure points to relieve pain. Kenko mats recreate this practice with mats that provide targeted therapy to specific pressure points to reduce pain throughout the body.
Designed for deaf and hard of hearing individuals, the SafeAwake Fire Alarm Aid is placed next to a person's bed and alerts users with vibrations with the bed shaker and a loud audible alarm that can make all the difference during a life-threatening fire situation.
Fight sun damage and dry skin this winter with a broad spectrum, SPF 15 lip balm featuring natural conditioning oils and anti-oxidant rich vitamin E.
Whether you're trying to relieve stress or ease sinus pressure and headache pain, this eye mask utilizes fragrant oils and natural herbs to provide a soothing effect that can alleviate discomfort and invigorate the senses.
Curious about other covered expenses? Check out the FSA Eligibility List for more details on eligible expenses with an FSA!
As the end of year approaches, so does the FSA deadline on December 31. Use our End-of-Year Guide to FSA eligible products to maximize leftover FSA dollars.
The holidays are a busy time, and as you're getting ready for them, it might be easy to forget about your Flexible Spending Account (FSA) deadline on December 31.
If your FSA plan year ends on December 31, you'll want to ensure you use remaining FSA dollars before it's too late. If you're not sure when your deadline is or if it's on December 31, or if you have a deadline extension like the Carryover or Grace Period, it's best to contact your FSA administrator or your HR department for those details now.
Our End-of-Year Guide to FSA Eligible Products will give you ideas on how you can treat yourself and use your remaining money for a variety of products! People are often pleasantly surprised by what their Flexible Spending Account can cover, ranging from products in eye care and baby care to hot/cold pain relief and much more.
We've compiled this End-of-Year Guide to make it easier for you to shop for these products, without any confusion as to what's eligible. If you already spent your FSA dollars for this year, share this guide with a friend, family member or coworker who still has leftover FSA money and help them maximize their tax-free savings.
Are you someone who enjoys sports or other healthy activities? Check out our selection of active products to help you with your fitness goals!
TheraPearl's innovative, drug-free Pearl Technology conforms to your body and treats pains in the neck, puffy eyes, knees, ankles, and more. Shop for TheraPearl at FSAstore.com.
Want a comprehensive moist or dry heating pad? Check out the Cara Select Heat LCD Moist or Dry Heating Pads – King Size Model padfor various pain types.
Professional athletes use it and it stays on during workouts, KT Tape can be easily applied to alleviate pain and even be worn in the shower or a pool.
Blood pressure is important to monitor at any age. If you'd like to keep track of your vitals while on the go, the smartphone-compatible Qardio is a light device that will collect your stats. We also have a Hi-Tech Health category full of smartphone-compatible products and other neat items including TENS Therapy units, ear uncloggers and more.
Are you fighting athritis pain? Battlecreek's Thermophore MaxHeat Arthritis pad can help.
Are you traveling for the holidays or early in 2016? Use an FSA now to prep for upcoming travels.
If you're avid hiker or enjoy walking around local parks, it's always handy to have a first-aid kit ready in the car or on your person. Adventure Medical Kits offer a lot of versatile styles depending on your needs with the most comprehensive first-aid treatments included. Check out Adventure Medical Kits.
Keep a defibrillator in the car (or in the office). The Philips HeartStart Home Defibrillator can be readily used with step-by-step voice instructions (including CPR coach) to help you treat cardiac arrest.
Do you suffer from motion sickness during travel? You can wear acupressure, drug-free wrist bands that relieve nausea from travel or motion sickness, known as Psi Bands. Psi Bands can also be used to relieve nausea from anesthesia, morning sickness and more. Shop for Psi Bands at FSAstore.com.
Bring a box of Band-aids. Carry a steady supply with you to quickly treat small cuts and scrapes, and bring kid-approved Band-Aids with their favorite cartoons.
Protect your skin. Skin care is vital year-round, and especially so during the winter when skin can dry out. Does your skin break out? Check out reVive acne therapy for optimal, drug-free skin care.
Say goodbye to pain with hot/cold therapy. The all-natural hot/cold therapy for adults and kids from Thermal-Aid alleviates all types of aches and provides comfort. Kids can even have a cute, hot/cold therapy stuffed animal friend to make boo-boos less painful. Shop for Thermal-Aid at FSAstore.com.
Get a head start on colds and allergies.Supply yourself with some items to treat cold or allergy symptoms at their onset.
Items could include:
A Warm Steam Vaporizer– this vaporizer can help relieve cold symptoms quickly and in a natural way. Or, a Neti Pot or Saline solution can also treat congestion.
Handheld Steam inhaler– get instant relief for allergies, colds/flu symptoms and sinus problems with a handheld steam inhaler.
Shop for Cold/Allergy products at FSAstore.com
Plan ahead for a little one
If you're expecting a baby, there are a few items you can use your FSA for, as well. Many baby care items are covered by an FSA, including:
Baby Thermometers.Forehead thermometers provide a non-invasive, quick, and gentle way to monitor your baby's fever.
Breast pumps & applicable accessories. Breastfeeding supplies from popular baby care brand Medela are also covered by your FSA and sold at FSAstore.com. These items include breast milk storage milks and nipple shields.
Shop for Baby Care at FSAstore.com.
Not sure what to buy? What to be inspired on how to treat yourself? Check out our Goodies section!