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Are nursing bras HSA eligible? Are they FSA-eligible? These are questions that run on the mind of a mother who is concerned about expenses. FSA and HSA are accounts that let you pay for eligible expenses with pre-tax money. They allow you to lower your out-of-pocket expenses.
With other nursing supplies, like breast pumps, the case is straightforward. They are FSA/HSA eligible. But when it comes to nursing bras, it is a little complicated. Some are eligible, while some are not. Continue reading to learn more.
What Are FSA and HSA Accounts?
Flexible Savings Accounts (FSA) are accounts where you can put money. You can use this money to pay for certain out-of-pocket healthcare expenses. The best thing is that it is pre-tax money. FSA takes your contribution from your paycheck before tax is applied to it. That said, this account lets you lower your overall expenses.
You can open an FSA if you are working and your employer offers it. Contact your employer to know if the option is available and how to apply.
HSA stands for Health Savings Accounts, which is basically the same. However, it is not provided by your employer. Instead, you can open an HSA through a bank, credit union, or financial institution that offers HSA accounts.
To open one, you must be enrolled in a high-deductible health plan (HDHP) that meets IRS guidelines. For 2025, this means a deductible of at least $1,650 for individuals or $3,300 for families. You cannot have other health coverage, and you cannot be claimed as a dependent on someone else's tax return.
Are Pumping Bras FSA/HSA Eligible?
Yes. Pumping bras are FSA/HSA eligible. You can pay for them using your FSA/HSA funds during checkout. Also, you can claim reimbursement for said purchases.
These are bras that let you use breast pumps hands-free. That means they directly aid lactation, which is the main criterion. However, please note that when submitting a claim for reimbursement, the receipt must say "pumping bra." Otherwise, the application will be rejected.
How Many Pumping Bras Do I Need?
It depends on how often you use a breast pump. If you pump occasionally, one pumping bra would be enough. On the other hand, if you have a regular pumping schedule, you should have 2 - 3 pumping bras. It ensures you have something to wear while the others are being washed. Of course, if you pump exclusively, you need more.
Are Nursing Bras FSA/HSA Eligible?
No, nursing bras are not FSA or HSA eligible. These bras have clip-down or pull-aside cups to provide quick access for nursing your baby. They are designed specifically for breastfeeding and not for pumping. As such, they are not considered medical items. If you really need a nursing bra, you should look for combo pumping and nursing bras. Since pumping bras are eligible, they will also be accepted.
Can I Use Nursing Bras for Pumping?
Yes, you can repurpose your nursing bras into pumping bras. However, that may require some modification. For example, you might need to cut the fabric using scissors to make way for the flange. Another method includes using hair ties, which is better if you don't want to destroy the nursing bra.
Please note that while you can do this, it does not make nursing bras FSA/HSA eligible. But as mentioned above, there is a workaround that does not involve modifications. You can buy products like the Momcozy 4-in-1 nursing bra that has features of both nursing and pumping bras. These dual purpose products let you use your nursing bras for pumping without alterations. The best thing is that you can buy these using your HSA/FSA funds.
Are Nursing Pads FSA/HSA Eligible?
Yes, nursing pads are FSA/HSA eligible. These products reduce the irritation mothers feel when not breastfeeding due to leaking milk. Furthermore, they protect bras and clothes from milk stains.
FSA and HSA accept both disposable and washable nursing pads. Disposable pads are affordable, one-time-use pads, while washable nursing pads are reusable and more environment-friendly.
How Do I Choose the Right Pumping Bra?
You need to consider several factors to choose the right pumping bra. Here is a simple checklist:
- Size - Your pumping bra should be larger than your regular bra because your breasts are likely larger due to their milk content. Measure yourself postpartum to find the right size.
- Functionality - The reason you are buying a pumping bra is to make the process easier. That said, you should choose ones that have great features. Ideally, you'd want nursing bras that let you pump completely hands-free.
- Comfort - You want to feel supported and comfortable. Therefore, you should choose wire-free pumping bras that are made with breathable materials.
How To Get a Pumping Bra Using My FSA/HSA Account on Momcozy?
Momcozy sells some amazing pumping bras that make pumping as comfortable as possible.
The DEX - 4-in-1 pumping bra and the Momcozy 4-in-1 Hands-free Pumping Bra have features for both nursing and pumping. They also feature adjustable, longer straps, allowing for enough extension to accommodate an in-bra pump comfortably and securely. Also, they have cushioned wider straps, which help reduce pressure off shoulders while pumping.
You can buy these at Momcozy using your FSA/HSA card. Here's how:
1. Add the pumping bras to your cart and proceed to the checkout page.
2. Click Flex | Pay with HSA/FSA to proceed to the hosted Flex checkout page. If you don't see this option, it means there's an item in your cart that is not eligible.
3. On the Flex-hosted checkout page, enter the necessary information. It includes your card number, expiration date, CVC, country, and ZIP. If you do not have an HSA/FSA card, you can use your credit card instead. Use the receipt to file for reimbursement.
4. Click Pay Now, and you will beredirected back to the Shopify success order page.
What Other Breastfeeding Products Can I Buy With My FSA/HSA Accounts on Momcozy?
Here are some FSA and HSA-eligible products from Momcozy that can support you throughout your breastfeeding journey.
Breast Pumps and Accessories
Momcozy’s electric breast pumps make expressing milk convenient and efficient, helping maintain your milk supply. Accessories like flanges, tubing, and power adapters ensure the pump works seamlessly, offering reliable support for busy moms.
Milk Storage Bottles and Bags
Safely store your expressed milk with pre-sterilized storage bottles and bags from Momcozy. These containers are perfect for refrigerating or freezing breast milk, making them essential for working moms or anyone needing a convenient way to manage feeding schedules.
Silver Nipple Shields
These 100% silver nipple shields provide a natural and eco-friendly way to soothe cracked or sore nipples. They support healing without creams or medications, promoting a more comfortable breastfeeding experience for moms.
Nipple Cream
Momcozy’s nipple cream is formulated with baby-safe ingredients to soothe and protect sensitive skin. It alleviates dryness and cracking, ensuring a more comfortable nursing experience for moms.
Breast Milk Coolers
Compact and portable, Momcozy’s breast milk cooler keeps your expressed milk fresh when you’re on the go. It is ideal for working moms, travel, or daycare, ensuring your baby always has access to properly stored milk.
Lactation Massager
Momcozy’s lactation massager helps relieve clogged ducts and improve milk flow. Its ergonomic design and customizable vibration settings make it a versatile tool for reducing discomfort and enhancing the breastfeeding experience.
Conclusion
Are nursing bras and pumping bras FSA/HSA eligible? Pumping bras are eligible, but nursing bras are not. If you want to buy a nursing bra using your FSA/HSA funds, you need to buy one that is also classified as a pumping bra. You should take advantage of this since it reduces your out-of-pocket expenses. Also, only a small part of your FSA rolls over to the next year, so it is wise to use as much as you can.
You can also buy other breastfeeding products, like breast pumps, breast pads, nasal aspirators, and nipple creams.
