HSA/FSA
Are Supplements HSA/FSA Eligible? Here’s What You Need to Know
Learn which supplements qualify for HSA/FSA.
December 3, 2024
Sam O'Keefe
Co-founder & CEO of Flex
Overview
Overview
Overview
Overview
Supplements are a great way to complement your diet, may help improve your health, and can even reduce the risk of some medical conditions. But, they aren’t cure-alls and there can be some risks.
So, are your favorite supplements HSA or FSA eligible? Let’s dive in to decode the IRS guidelines, reveal a few products that qualify, and explore trusted brands that may just give you the wellness boost you’re looking for — all while saving you a little extra.
First Off, What Are Supplements?
Supplements are intended to… supplement… your diet by providing extra vitamins, minerals, herbs, botanicals, amino acids, enzymes, probiotics, extracts, or other "dietary ingredients".
Some supplements can help you get adequate amounts of certain nutrients if you do not consume them in your normal diet. Common examples include fish oil, vitamins C or D, echinacea, melatonin, iron, and probiotics.
Are Supplements HSA or FSA Eligible?
Generally, most vitamins and supplements are not eligible for HSA or FSA reimbursement.
However, if a supplement is used to treat or mitigate a diagnosed medical condition, it may qualify as a medical expense according to Publication 502 from the IRS. In this case, it can become HSA or FSA eligible when recommended by a medical pracitioner and stipulated in a Letter of Medical Necessity (LOMN).
Prenatal vitamins are one of the few supplements considered to be a qualified medical expense, and are therefore HSA and FSA eligible. Source: Unsplash
What Supplements Are HSA/FSA Eligible?
While the rules are strict, there are a few types of supplements that are outright HSA/FSA-eligible. Here’s a look at those, along with their primary benefits:
Prenatal vitamins
Prenatal vitamins contain essential nutrients, like folic acid, which helps reduce developmental risks in growing babies. These can be crucial for expectant mothers, and as such, prenatal vitamins are generally considered eligible for HSA/FSA coverage.
Glucosamine and/or chondroitin products
Products containing glucosamine or chondroitin are often used to ease joint pain associated with arthritis. For these to be FSA or HSA-eligible, glucosamine should be the primary ingredient, as it is recognized specifically for joint health support.
Fiber laxative supplements
Fiber supplements that act as laxatives can help treat temporary digestive issues. In cases where these supplements are used to treat a diagnosed digestive condition, they’re typically considered HSA-eligible.
Use Cases: Other Supplements That May Be Eligible
The following are common supplements, but their HSA or FSA eligibility depends on specific usage and diagnosis. Here’s a quick look at possible conditions for eligibility:
Are over-the-counter supplements covered by HSA?
Supplements are over-the-counter. They can be potentially covered by your HSA or FSA with a Letter of Medical Necessity from your healthcare provider.
Are iron supplements HSA eligible?
Yes, iron supplements may be eligible if prescribed by a doctor to treat anemia or an iron deficiency. With a Letter of Medical Necessity (LOMN), you can cover the cost through your HSA/FSA.
Are vitamin D supplements HSA eligible?
Vitamin D, as well as other vitamins, may qualify as HSA-eligible if it’s recommended by a healthcare provider to treat a deficiency. With documentation, it can become a covered expense.
Are lactation supplements HSA eligible?
Lactation supplements may be HSA/FSA-eligible if recommended by a doctor to address lactation issues and support postpartum recovery.
Are calcium supplements HSA eligible?
If you’re taking calcium to address a diagnosed deficiency, you may qualify for HSA reimbursement with the appropriate documentation.
Are magnesium supplements HSA eligible?
Magnesium supplements can be covered if prescribed to address a medical condition, such as a deficiency or digestive disorder.
Are protein supplements HSA eligible?
While commonly used for general fitness, protein supplements may qualify if they’re prescribed to treat a specific deficiency or aid recovery from a diagnosed condition.
What Are the Risks of Dietary Supplements?
While dietary supplements may offer health benefits, it’s essential to recognize that they’re not regulated like prescription medications.
Without oversight, the potency and effectiveness of supplements can vary significantly. Before adding a supplement to your regimen, especially one that requires medical documentation, make sure to consult with your doctor.
Supplements are intended to complement your diet and lifestyle. In some cases, they can help you get adequate amounts of certain nutrients if you do not consume them in your normal diet. Source: Unsplash
Research-Backed Supplement Solutions for Your Health Needs
When choosing supplements that align with specific health goals, you should always look to brands that prioritize research, quality, and targeted solutions. Here are a few companies that offer products to address various health needs and can potentially qualify for HSA/FSA coverage with the right medical documentation!
Pharmanutra’s SiderAL: Stomach-safe iron supplementation
Iron deficiency remains the most widespread nutritional problem globally, with the World Health Organization estimating that around 600-700 million people suffer from low iron levels. Low iron can cause fatigue, weakness, and impaired cognitive function, making it essential for those affected to address the deficiency properly.
Iron supplementation, however, is often accompanied by side effects, like nausea and stomach upset, due to how the iron is absorbed in the body.
Pharmanutra has developed SiderAL®, an innovative iron supplement designed specifically to minimize gastrointestinal discomfort. Unlike traditional iron supplements, which can irritate the stomach lining, SiderAL® uses a patented formulation that bypasses the stomach and is absorbed directly into the intestine. This unique approach makes it easier for those with sensitive digestive systems to maintain adequate iron levels without the typical side effects of traditional supplements.
Zahler: All-natural research-backed vitamins
Zahler is a family-owned company with three generations’ worth of commitment to health and wellness. They emphasize using pure, Kosher-certified ingredients in their supplements, ensuring that each product meets high-quality standards. Each product in their catalog, which now includes 150 supplements, is backed by extensive scientific research.
Zahler’s supplement line covers a wide range of health needs, from prenatal vitamins to joint support to immunity boosters. Notably, Zahler emphasizes natural, carefully sourced ingredients, offering a product line that is ideal for individuals looking to avoid artificial additives.
Curalife: Empowering Health with Comprehensive Wellness Support
Curalife is an innovative brand that takes a holistic approach to wellness, creating products that target both physical and mental health. Curalife’s offers specialized products for hydration, relaxation, stress relief, and general well-being. This variety allows Curalife to serve people with diverse needs — from those recovering from high-stress environments to new parents looking to support postnatal health, and other health needs that may qualify as HSA/FSA-eligible under specific conditions.
How Flex Can Help You Purchase Supplements with Your HSA/FSA
As we said, HSA/FSA spending can be a bit tricky when it comes to supplements. Thankfully, services like Flex are designed to make it simpler!
Since most supplements fall outside of standard IRS guidelines, you’ll need a LOMN to be reimbursed. Flex partners with merchants to offer this process during the checkout flow, making it easier for consumers (should they meet the criteria of needing the item for a specific medical condition).
Here’s how it works:
Select the "checkout with Flex" option on the payment page, then complete the following steps to pay with your HSA or FSA debit card:
You will be prompted to share relevant information with Flex’s medical team via a telehealth consultation.
If you qualify, simply enter your HSA or FSA card details and complete the purchase.
Flex sends your LOMN to you via email, which you should keep for your records.
Voilà. Your supplements, and your savings, should be ready to go.
Boost Wellness, Cut Costs: The Smart Way to Supplement!
Understanding the ins and outs of using your HSA or FSA for supplements can feel like navigating a maze.
Don’t let the paperwork discourage you! With the right documentation, you can tap into the tax-free benefits of your HSA or FSA, making your journey to better health a little more affordable. In the end, using your HSA/FSA for the right supplements isn’t just about saving money — it’s about maximizing your wellness and your wallet!
Supplements are a great way to complement your diet, may help improve your health, and can even reduce the risk of some medical conditions. But, they aren’t cure-alls and there can be some risks.
So, are your favorite supplements HSA or FSA eligible? Let’s dive in to decode the IRS guidelines, reveal a few products that qualify, and explore trusted brands that may just give you the wellness boost you’re looking for — all while saving you a little extra.
First Off, What Are Supplements?
Supplements are intended to… supplement… your diet by providing extra vitamins, minerals, herbs, botanicals, amino acids, enzymes, probiotics, extracts, or other "dietary ingredients".
Some supplements can help you get adequate amounts of certain nutrients if you do not consume them in your normal diet. Common examples include fish oil, vitamins C or D, echinacea, melatonin, iron, and probiotics.
Are Supplements HSA or FSA Eligible?
Generally, most vitamins and supplements are not eligible for HSA or FSA reimbursement.
However, if a supplement is used to treat or mitigate a diagnosed medical condition, it may qualify as a medical expense according to Publication 502 from the IRS. In this case, it can become HSA or FSA eligible when recommended by a medical pracitioner and stipulated in a Letter of Medical Necessity (LOMN).
Prenatal vitamins are one of the few supplements considered to be a qualified medical expense, and are therefore HSA and FSA eligible. Source: Unsplash
What Supplements Are HSA/FSA Eligible?
While the rules are strict, there are a few types of supplements that are outright HSA/FSA-eligible. Here’s a look at those, along with their primary benefits:
Prenatal vitamins
Prenatal vitamins contain essential nutrients, like folic acid, which helps reduce developmental risks in growing babies. These can be crucial for expectant mothers, and as such, prenatal vitamins are generally considered eligible for HSA/FSA coverage.
Glucosamine and/or chondroitin products
Products containing glucosamine or chondroitin are often used to ease joint pain associated with arthritis. For these to be FSA or HSA-eligible, glucosamine should be the primary ingredient, as it is recognized specifically for joint health support.
Fiber laxative supplements
Fiber supplements that act as laxatives can help treat temporary digestive issues. In cases where these supplements are used to treat a diagnosed digestive condition, they’re typically considered HSA-eligible.
Use Cases: Other Supplements That May Be Eligible
The following are common supplements, but their HSA or FSA eligibility depends on specific usage and diagnosis. Here’s a quick look at possible conditions for eligibility:
Are over-the-counter supplements covered by HSA?
Supplements are over-the-counter. They can be potentially covered by your HSA or FSA with a Letter of Medical Necessity from your healthcare provider.
Are iron supplements HSA eligible?
Yes, iron supplements may be eligible if prescribed by a doctor to treat anemia or an iron deficiency. With a Letter of Medical Necessity (LOMN), you can cover the cost through your HSA/FSA.
Are vitamin D supplements HSA eligible?
Vitamin D, as well as other vitamins, may qualify as HSA-eligible if it’s recommended by a healthcare provider to treat a deficiency. With documentation, it can become a covered expense.
Are lactation supplements HSA eligible?
Lactation supplements may be HSA/FSA-eligible if recommended by a doctor to address lactation issues and support postpartum recovery.
Are calcium supplements HSA eligible?
If you’re taking calcium to address a diagnosed deficiency, you may qualify for HSA reimbursement with the appropriate documentation.
Are magnesium supplements HSA eligible?
Magnesium supplements can be covered if prescribed to address a medical condition, such as a deficiency or digestive disorder.
Are protein supplements HSA eligible?
While commonly used for general fitness, protein supplements may qualify if they’re prescribed to treat a specific deficiency or aid recovery from a diagnosed condition.
What Are the Risks of Dietary Supplements?
While dietary supplements may offer health benefits, it’s essential to recognize that they’re not regulated like prescription medications.
Without oversight, the potency and effectiveness of supplements can vary significantly. Before adding a supplement to your regimen, especially one that requires medical documentation, make sure to consult with your doctor.
Supplements are intended to complement your diet and lifestyle. In some cases, they can help you get adequate amounts of certain nutrients if you do not consume them in your normal diet. Source: Unsplash
Research-Backed Supplement Solutions for Your Health Needs
When choosing supplements that align with specific health goals, you should always look to brands that prioritize research, quality, and targeted solutions. Here are a few companies that offer products to address various health needs and can potentially qualify for HSA/FSA coverage with the right medical documentation!
Pharmanutra’s SiderAL: Stomach-safe iron supplementation
Iron deficiency remains the most widespread nutritional problem globally, with the World Health Organization estimating that around 600-700 million people suffer from low iron levels. Low iron can cause fatigue, weakness, and impaired cognitive function, making it essential for those affected to address the deficiency properly.
Iron supplementation, however, is often accompanied by side effects, like nausea and stomach upset, due to how the iron is absorbed in the body.
Pharmanutra has developed SiderAL®, an innovative iron supplement designed specifically to minimize gastrointestinal discomfort. Unlike traditional iron supplements, which can irritate the stomach lining, SiderAL® uses a patented formulation that bypasses the stomach and is absorbed directly into the intestine. This unique approach makes it easier for those with sensitive digestive systems to maintain adequate iron levels without the typical side effects of traditional supplements.
Zahler: All-natural research-backed vitamins
Zahler is a family-owned company with three generations’ worth of commitment to health and wellness. They emphasize using pure, Kosher-certified ingredients in their supplements, ensuring that each product meets high-quality standards. Each product in their catalog, which now includes 150 supplements, is backed by extensive scientific research.
Zahler’s supplement line covers a wide range of health needs, from prenatal vitamins to joint support to immunity boosters. Notably, Zahler emphasizes natural, carefully sourced ingredients, offering a product line that is ideal for individuals looking to avoid artificial additives.
Curalife: Empowering Health with Comprehensive Wellness Support
Curalife is an innovative brand that takes a holistic approach to wellness, creating products that target both physical and mental health. Curalife’s offers specialized products for hydration, relaxation, stress relief, and general well-being. This variety allows Curalife to serve people with diverse needs — from those recovering from high-stress environments to new parents looking to support postnatal health, and other health needs that may qualify as HSA/FSA-eligible under specific conditions.
How Flex Can Help You Purchase Supplements with Your HSA/FSA
As we said, HSA/FSA spending can be a bit tricky when it comes to supplements. Thankfully, services like Flex are designed to make it simpler!
Since most supplements fall outside of standard IRS guidelines, you’ll need a LOMN to be reimbursed. Flex partners with merchants to offer this process during the checkout flow, making it easier for consumers (should they meet the criteria of needing the item for a specific medical condition).
Here’s how it works:
Select the "checkout with Flex" option on the payment page, then complete the following steps to pay with your HSA or FSA debit card:
You will be prompted to share relevant information with Flex’s medical team via a telehealth consultation.
If you qualify, simply enter your HSA or FSA card details and complete the purchase.
Flex sends your LOMN to you via email, which you should keep for your records.
Voilà. Your supplements, and your savings, should be ready to go.
Boost Wellness, Cut Costs: The Smart Way to Supplement!
Understanding the ins and outs of using your HSA or FSA for supplements can feel like navigating a maze.
Don’t let the paperwork discourage you! With the right documentation, you can tap into the tax-free benefits of your HSA or FSA, making your journey to better health a little more affordable. In the end, using your HSA/FSA for the right supplements isn’t just about saving money — it’s about maximizing your wellness and your wallet!
Flex is the easiest way for direct to consumer brands and retailers to accept HSA/FSA for their products. From fitness and nutrition, to sleep and mental health, Flex takes a holistic view of healthcare and enables consumers to use their pre-tax money to do the same.