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Thread: health spending accounts

  1. #1

    Default health spending accounts

    I signed up for a health spending account for this year! I was wandering if anyone knows or uses it for incontinence supplies. I looked up my plan and it doesn't say anything about diapers

  2. #2

    Default

    I'm not sure you should be using your HSA money on this. If you need it because you are incontinent and have a legitimate medical reason for needing diapers, I believe it is covered. Anything medical should be covered with HSA dollars, However, if you are wanting to buy diapers because you enjoy them just to wear them without a physical need or reliance for them (physiological reasons don't count I don't believe) then I don't think that is the best idea. You may have to submit receipts and there will be records of the expense for the bank. Probably best to just buy your diapers using regular methods. But that's just my opinion...

  3. #3

    Default



    Quote Originally Posted by gadawgs8000 View Post
    I signed up for a health spending account for this year! I was wandering if anyone knows or uses it for incontinence supplies. I looked up my plan and it doesn't say anything about diapers
    Someone might count that as "(medical) insurance fraud" if they found out it was a "want" and not a "need"

    do not recommend

  4. #4

    Default

    Okay was just wandering if it qualified not looking for fraud!!

  5. #5

    Default Fsa



    Quote Originally Posted by gadawgs8000 View Post
    Okay was just wandering if it qualified not looking for fraud!!
    You can use the Flexible Spending Account for this...at least in my case, Incontinence products were listed in the miscellaneous. I also ad my doctor write me a prescription in case.

    As others have said, if you are purchasing diapers specifically as a fetish, I would not recommend it. I use them for nighttime and help for anxiety/OCD myself and they help greatly.

  6. #6

    Default

    I guess I will talk to my dr then, I think I was misunderstood! Yes I wear for anxiety and became a dl because of this! Thanks for all the advice! I just saw that I could use on medical expenses and wasn't sure if diapers were covered

  7. #7

    Default

    As long as it is for a medical need, it should be alright.

    Some HSA carriers do have different 'ideas' so it may be prudent to contact them to be sure diapers are covered or just go ahead and submit the receipt.

    If you have a doctor's prescription or letter, then you have a better time convincing them to reimburse you.

  8. #8

    Default

    Mew Jersey only permits HSA's for married couples with children. Bummer really, I looked into them back when I first got health insurance in 2008. I thought it was a federal law, but apparently States can set their own guidelines.

  9. #9
    mikejames

    Default



    Quote Originally Posted by gadawgs8000 View Post
    I signed up for a health spending account for this year! I was wandering if anyone knows or uses it for incontinence supplies. I looked up my plan and it doesn't say anything about diapers
    Health Savings Account or Flexible Spending Account?

    They're different.


    I have a HSA to supplement my lousy high deductible health plan my work offers us. I use it for diapers.

    At tax time, you get a form 1099-Somthing and it lists your withdrawal total....turbotax asks if all that withdrawn amount was used for medical expenses. I say "yes". I'm incontinent and my diapers are a need, not a want.

    I've never had a problem using it like this.

  10. #10

    Default

    I had a flexible spending account at my last job and they didnt care what you used it for as long as it was considered a health item, some things actually say HSA/FSA eligible right on the package. Also the only amount you will have in the account is what they deduct from your paycheck to put into the account so even if it were not legitimate its your money you set aside for healthcare expenses which includes diapers. unless something has changed in the last 5 years or so that I had it.

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