FSA & HSA Explained + 10 Unexpected Things You Can Buy with Them

FSA & HSA Explained + 10 Unexpected Things You Can Buy with Them

FSA & HSA Explained + 10 Unexpected Things You Can Buy with Them

FSA vs. HSA


Acronyms! The world is full of them. From IRL to the CDC and more, our brains have to process what feels like an acronym a minute, and we’re not always sure WTF they mean. 

If you’ve recently seen period product companies praising the Cares Act, it’s because of a section of the recent stimulus package that allows menstrual products to be treated as medical care and therefore eligible for reimbursement through FSA and HSA programs. 

What is an HSA? 

An HSA, or a “Health Savings Account” is a funding account offered in conjunction with a high deductible insurance policy. Sort of like a personal savings account, you get to determine a monetary amount (pre-taxed!) to put in each month (or annually) that you can use to pay for qualifying medical expenses. The range of what this can cover goes from out-of-pocket medical costs at the doctor to menstrual cups and discs. 

What is an FSA?

FSA stands for “Flexible Spending Account or Arrangement”. It’s very similar in nature to an HSA but has some key differences. While an HSA can be opened by employed and self-employed individuals, an FSA can only be opened by employees (i.e. you cannot be self-employed). 

Unlike an HSA, an FSA is owned by your employer, and to receive a reimbursement you usually have to submit a claim along with a receipt to your employer and get approval. Additionally, there are differing maximums on the amount of money you can contribute to an HSA vs an FSA, and money in an HSA will carry over into the next year while an FSA will not. So use it or lose it!

What do they cover? 

Regardless of if you have an HSA or an FSA, the IRS covers the following: 

  • Copays or deductibles
  • Qualifying prescriptions 
  • Certain medical equipment 
  • Period products!

For a more in-depth list, head here

What does this have to do with menstruation? 

As we mentioned up top, the new Cares Act allows for people to spend their FSA or HSA contributions on period care or products. This applies to menstrual discs, tampons, pads, menstrual cups, and so much more. 

This is exciting because period products have often been seen as a “luxury” item, which makes it challenging for those who have different socioeconomic backgrounds to access quality period care. With this new classification, there is more equality within the period care access space, and this allows for menstruators to get the products they need at a more affordable cost via income tax savings.

 

10 Unexpected Things You Can Buy with your FSA + HSA

Aaaaand just like all the new surprising tricks you’re learning in quarantine (hello professional sourdough bread baker)

  1. Skincare. A visit to the derm and acne treatment? Check. 
  2. Heating pads. Cramps can take a chill pill, cuz the HSA and FSA got your back.
  3. Sunscreen. All your SPF needs are covered...literally. 
  4. Vitamins. D, E, C, A. All the letters of the vitamin alphabet are a GO. 
  5. Condoms. Protection is protected. 
  6. Pregnancy tests. Keep yourself in the know, bb. 
  7. Bandages. Need to get a quick leg wrap after a fall during a midday run? You’re all set. 
  8. Eye masks. Getting your beauty rest, thanks to some help from your FSA/HSA. 
  9. Sunglasses. Throw some shade...on. 
  10. Light therapy. Keep your face feeling warm and glow-y. UV lights get the green light. 
  • Your period
  • Your lifestyle
  • Your concerns

Typically, how many days is your period?

How heavy is your flow on your heaviest days?

When did your last period start?

How many weeks do you typically have between periods?

What period product do you use most frequently?

How disruptive can your period be to your life?

What bothers you most about having your period?

What is the one thing you wish you could change about your period?

  • < 2 Days
  • 3 Days
  • 4 Days
  • 5 Days
  • 6 Days
  • 7 Days
  • > 8 Days
LIGHT (1-2 tampons/day)
MEDIUM (3-4 tampons/day)
HEAVY (4-5 tampons/day)
  • < 2 Weeks
  • 3 Weeks
  • 4 Weeks
  • 5 Weeks
  • 6 Weeks
  • 7 Weeks
  • > 8 Weeks
Tampon Tampons
Pad Pads
Menstrual Cup Cup
Menstrual Disc Discs
Period Panties Period Panties
Ellipses Others
Can’t get out of bed
Can’t do certain activities
I mostly feel uncomfortable
Just like any other day
I’m constantly running to the bathroom
I can’t sleep through the night
My work out routine is thrown off
I can’t have sex
I feel uncomfortable
Less cramping
Less odor
Fewer leaks
Risk of TSS
Less waste
If you’re not sure, choose MEDIUM.

All done!

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Here is our pick for you!
Flex Box
plan type
Light plan $6.50
4 Discs per cycle per period
frequency
8 Discs every 2 months
Light Flow Starter Kit
Includes 8 discs + our Getting Started Guide

We will automatically ship 8 discs for $12.99 every two months starting on . We’ll remind you before we process the next order. You can pause or cancel anytime, online.

Flex Box
plan type
Medium plan $12
8 Discs per cycle per period
frequency
16 Discs every 2 months
Medium Flow Starter Kit
Includes 8 discs + our Getting Started Guide

We will automatically ship 16 discs for $23.99 every one month starting on . We’ll remind you before we process the next order. You can pause or cancel anytime, online.

Flex Box
plan type
Heavy plan $14
Discs per cycle per period
frequency
24 Discs every 2 months
Heavy Flow Starter Kit
Includes 12 discs + our Getting Started Guide

We will automatically ship 24 discs for $27.99 every one month starting on . We’ll remind you before we process the next order. You can pause or cancel anytime, online.

Try FLEX with some liners at first.

Sometimes you just feel better with a little backup. FLEX plus liners would be a great combination for you while you transition to FLEX to help guard against leaks until you get the hang of positioning FLEX.

Not ready for membership? Try just one FLEX.

Here is our pick for you

Flexcup Discovery Kit
Flexcup Discovery Kit

FLEX Cup

$32.99 71+ Reviews

1 Menstrual Cup

  • + 1 Carrying Pouch
  • + 2 free Menstrual Discs

The FLEX Cup comes with 2 free FLEX Discs for you to try so that you can experience two new and innovative period products for no extra charge.

Free US Shipping

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