How to Maximize Your Savings! HSA & FSA Eligible Baby Products
How to Maximize Your Savings! HSA & FSA Eligible Baby Products
HSA & FSA Eligible Baby Products - Save in More Ways Than You Think
Prepping for a new baby can be overwhelming.
Diapers.
Wipes.
Bottles.
Pacifiers.
What the heck is a boppy?
Do I really need this many onesies?
For such tiny creatures, babies need a TON of stuff.
Then they grow. And you know what comes next – more stuff.
All this stuff means a hefty price tag dropped right into your lap.
Luckily, you can use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to help make your dollar go a little further.
There’s never a more important time to stretch your dollar. Look for HSA & FSA eligible baby products to bring peace back to your finances.
What is HSA & FSA eligible?
Your HSA or FSA account lets you set aside pre-tax dollars for healthcare expenses. Which means you save money when the time comes for doctor visits and pharmacy costs.
But, HSA & FSA coverage extends past paying for the doctor and prescriptions. Tons of baby products and essentials are also covered by your HSA or FSA account.
So you can get everything you need for your little one – and mama, too – without breaking the bank.
Just make sure you know what’s covered BEFORE racking up those price tags. Most HSA and FSA accounts cover everything that promotes the overall health and well-being of your little one. This includes the items needed for their safety, development, and general care.
If you’re unsure, check with your specific account provider to see a list of HSA & FSA eligible baby products.
Top HSA & FSA Eligible Baby Products
Now it’s time for the fun part!
Grab that baby registry and check off the last few missing items.
Give Santa a break and knock out Christmas shopping for your little one.
Use YOUR money how YOU want by shopping for HSA & FSA eligible baby products.
Breast Pumps and Accessories
Whether you’re a new mommy-to-be or a seasoned mom adding another baby to the mix, a good breast pump can be a game-changer. When you plan on nursing and/or pumping, a high-quality breast pump should be a priority.
Most of the top players in the breast pump world are HSA & FSA eligible[1]. You can easily find brands like Medela, Lansinoh, and Elvie. But remember, all accounts are different. Check your individual guidelines to know what you have access to.
And don’t stop with the pump. Go ahead and pump that HSA or FSA account for all it’s worth by stocking up on accessories.
Other HSA & FSA eligible pumping and nursing products include:
- Pumping bags
- Nursing bras
- Pumping bras
- Milk storage bags
- Spare/replacement parts
- Nipple cream
- Nipple shields
- Nursing pads
Investing in a good breast pump will give you confidence and peace during the breastfeeding journey. Don’t settle for less.
Already know you’re not taking the breastfeeding journey?
Stock up on formula with your HSA or FSA account and save!
Baby Health Essentials
Keeping your baby healthy is at the top of every mom’s list. But baby healthcare items often get overlooked during the months of baby-prep.
And you definitely don’t want to realize you never bought an infant thermometer. Especially at 1:30 AM while you’re holding a burning-up, screaming baby.
Secure the baby health essentials now. Give yourself peace of mind knowing you have what you need when you need it.
HSA & FSA eligible baby products for health and wellness include[2]:
- Digital forehead and ear thermometers
- Infant pain and fever reducer
- Bandages
- Saline spray and drops
- Nose wipes
- Nasal aspirators
- Pedialite[3]
- Tear-free shampoo and baby wash
- First aid kits
- Vitamins – prenatals for mom, too!
Keeping your little one safe and healthy is always on your mind.
Germs, bumps, and scrapes are going to happen. Do what you can to be prepared.
Baby Monitors
Which baby monitor team are you on?
- Sound only?
- Sound + Video?
- Wi-Fi with the ability to connect to your phone?
- Wearable?
Regardless of the type of baby monitor you prefer, they all have the same ultimate goal: helping you have a peaceful night of rest.
It’s up to you to decide which type of monitor suits your lifestyle and needs. But sometimes, investing in a baby monitor can feel more like investing in a new car.
You want the best of the best. You NEED a night of restful sleep – even just a few hours.
But you can’t justify splurging on every little thing.
Let your savings account take the brunt of your expense. Baby monitors are HSA & FSA eligible. Take advantage of these savings and get the baby monitor you truly want.
Babyproofing Essentials
Babies get into everything.
And once your baby becomes mobile, everything in your house instantly turns dangerous.
Normal, everyday items turn into choking hazards. Furniture, stairways, and storage spaces are threats.
And you can’t forget about the risks of outlets. All. Those. Outlets!
Up your baby safety game by babyproofing your home. Even better – save money while babyproofing your home thanks to HSA & FSA accounts[5].
- Purchase a sturdy baby gate to keep your babe safe from stairs.
- Outlet covers are a must – do you know how much stuff babies can cram in an outlet?!
- Furniture straps will keep TVs and shelves from being pulled down.
- Use cabinet locks to keep your little one out of chemicals and cleaning supplies.
- Door jams protect those sweet little fingers from being smashed.
- Try corner and edge guards. Your baby’s forehead and chin will thank you.
Stress over keeping your baby safe is bound to happen. Babyproofing your home is one way to help keep your little one intact.
Baby Toys
All work and no play makes for a dull life. And that’s true for your little one, too – no matter their age.
Babies learn through experiences. They need new and interesting activities to keep their brains working. When their brains work, they build new connections that lay the foundation for learning for the rest of their lives.
That means play is important from their first days throughout childhood.
Play for babies looks different depending on their age. What’s stimulating to a one-month-old will be boring and useless to a four-month-old. It’s important that you choose developmentally appropriate toys to keep your baby entertained. This will keep their brain learning.
You also want to choose toys that are beneficial for physical and mental development. Many baby toys are specifically designed to help with appropriate bodily development.
*But be on the lookout.* There are just as many popular toys that can be unsafe or developmentally inappropriate for your little one. You don’t want to harm your baby by giving them the wrong type of toy.
Check out these toys supported by HSA & FSA accounts:
- Teething toys
- Sensory toys
- Fidgets
- Musical toys
- Swings
- Visual stimulators
- Mobility toys – Check out the ultimate mobility toy covered by HSA & FSA accounts – The Crawligator
Baby toys should be safe and fun! Keep your child engaged with the most appropriate toys for their age and development. And save a few dollars by shopping for HSA or FSA eligible products.
You’re making the right financial decision by using an HSA or FSA account. Take full advantage of the savings by maximizing what you buy. Stock up on the essentials – the fun stuff, too – and save for when those unexpected expenses pop up.
Use this guide to make sure you find the best HSA & FSA eligible baby products that are the right fit for you and your family.
What's NOT Eligible
This internet is the ultimate source of information. Unfortunately, that means it's also the leading source of misinformation.
There are pages everywhere promoting items you can buy with your HSA or FSA account that's just not true. Always, always, always check with your state's HSA & FSA spending plan pages before you bank on what you can buy.
Here are a few of the baby essentials that aren't covered or are ONLY covered in special circumstances:
- Car seats
- Diapers
- Diapering wipes
- Formula
- Clothes, socks, hats
Be diligent when searching. Yes, there are tons of eligible items to make both mom and baby's life easier. From prenatal to postpartum, your HSA or FSA account can help make sure you get what you need.
But, HSA and FSA accounts DON'T cover everything. You need to be prepared to spend some of your own dollars on other baby essentials as well.
What to make sure you pick the right toy every time?
Never worry about buying the perfect baby toy again. The Crawligator boosts your baby’s development by helping them build strong neck, back, and arm muscles. When your babe’s ready for tummy time, they’re ready for The Crawligator!
1 - https://fsastore.com/fsa-eligibility-list/b/breast-pump
2 - https://theeverymom.com/baby-gear-you-can-buy-with-your-fsa-or-hsa-account/
4 - https://babygearessentials.com/eligible-for-fsa-and-hsa/