Flexible spending accounts (FSAs) can be used to cover a wide variety of healthcare costs, such as deductibles, copayments, and even dental cleanings and checkups. However, it can also be used to shop online, where you’ll find a wide variety of products that can help you recover from exercise, alleviate pain, improve your skin, and more that are eligible for payment from your FSA. If you still have some cash on hand towards the end of the year, you shouldn’t pass up the unexpected savings opportunities that arise then.
Need some ideas for using your FSA funds? You can shop for things that are compatible with your FSA account here. Firstly, a disclaimer: If you have any questions about what you may and cannot buy with your FSA, you should first review the rules of your account before consulting the government’s A to Z eligibility list.
Skin Care
Products like sunscreen moisturizers, hand cream, and acne treatments and preventatives can all be purchased with Flexible Spending Account dollars. Your FSA may be used to purchase a light therapy device for the treatment of acne.
Skin care products like toner and spot treatments are only available with a doctor’s prescription. Chemical peels and microdermabrasion are considered purely cosmetic and hence do not qualify as a treatment for illnesses like eczema and rosacea, for which a prescription is also required.
Sunglasses
If you weren’t blessed with 20/20 vision from birth, don’t worry: an FSA will pay for your glasses or sunglasses, even if they’re designer labels like Ray-Ban or Versace. You should get a new prescription from your eye doctor before buying a new pair (you can use your FSA to cover the optometry exam, too).
Put in your contact lenses, instead. Your FSA funds can be used to cover those as well.
OTC medicines
A simple trip to the doctor might get you your FSA prescription for pain medicines, allergy meds, heartburn meds, antacids, and other essentials for the bathroom cabinet. To find out what over-the-counter medicines you can buy with your FSA, visit the FSA Store.
Heating Pads
Suffer from chronic injuries or chronic back pain? Pads, both hot and cold, can be purchased using FSA money, and they are helpful. You may find a wide selection of brands and styles at the FSA Store online, or you can always stop by your neighborhood drugstore.
First-aid kit
In order to avoid needing a prescription for over-the-counter pain drugs, you can get around the rule by purchasing an FSA-eligible first aid kit. You don’t need a prescription to buy a first aid kit, and many of them come with small bottles of pain medicines.
Sunscreen
Sunscreen is a must-have, but it’s shockingly pricey, with most bottles costing at least $10 and going much higher than that depending on the brand. Put that FSA money to good use. Mineral sunscreen and SPF lip balm are also included.
Thermometer
Your Flexible Spending Account (FSA) can be used to buy any kind of thermometer, including a smart thermometer. You can pick from models that are digital, in-ear, on-the-head, or in-the-mouth.
Blood pressure monitor
The Qardio Arm, Omron Evolv, and Withings Wireless blood-pressure monitors are all covered by your Flexible Spending Account and are Apple Watch and iPhone-compatible options.
Other medical equipment for the house
Not only can you use your FSA to buy a blood pressure monitor, but also for other at-home medical devices. Accessories for CPAP machines, blood glucose monitors, medical alert bracelets, a defibrillator, inhalers, and masks for people with respiratory problems are all available for purchase.
Inserts for shoes and foot hygiene
Toe cushions, arch supports, and other shoe inserts are all eligible for purchase using a flexible spending account. Items like callus trimmers and wart removers are considered necessary foot care and can be reimbursed from your FSA. It’s possible you might use your FSA money to buy a foot massager.
Aids Helping You Get Some Zzz’s
Although you need a doctor’s prescription for oral sleep aids, you can use your FSA to buy non-prescription sleep aids like sleep masks, vaporizers, and bed warmers.
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