FSA Eligible Sexual Health Products

There are many types of personal lubricants. Some lubricants are formulated to enhance intimate pleasure. Others are typically made with ingredients selected to soothe postmenopausal dryness or help ease the insertion of tampons, enemas, or rectal thermometers. Although some of the reasons a person might want to use a personal lubricant have medical causes, most require pre-authorization for FSA reimbursement. If you feel you could benefit from a personal lubricant, consider asking your health care provider for a letter of medical necessity (LMN). After submitting the document to your FSA/HSA (health savings account) plan administrator, you could be eligible to purchase personal lubricants with FSA dollars. However, getting an LMN from your provider does not guarantee your request to use FSA funds will be honored. If you have questions about how those determinations are made, contact your plan administrator.

Condoms play an important role in reproductive health. Not only do condoms help reduce the risk of unplanned pregnancy, but they also help prevent the spread of sexually transmitted infections. Because they have a medical purpose, condoms are flexible spending account eligible. When used as directed, researchers believe condoms are nearly 98% effective. However, condoms are not the only FSA/HSA eligible form of birth control available. You can also use your FSA to pay for prescription birth control pills, contraceptive patches, vaginal contraceptive films, and emergency contraceptive tablets.

Yes, you can. Under the terms of the CARES (Coronavirus Aid, Relief, and Economic Security) Act, home pregnancy tests are FSA eligible. You can also use FSA, HSA, and HRA (health reimbursement arrangement) funds to purchase home fertility tests, daily ovulation predictors, and early ovulation test kits. Once your pregnancy test is positive, you can use your FSA to cover the cost of prenatal vitamins and other pregnancy-related medical expenses.