HSA and FSA Usage

Can I use my HSA or FSA to pay for Modern Pediatrics?

For your co-pays and patient responsibility - yes! However, the IRS currently does not allow you to use an HSA or FSA to pay your membership fee.

What other things can I purchase with my HSA or FSA that apply to family care?

There are hundreds of items and services that you can spend with your HSA or FSA. However, unlike a FSA which your employer owns and controls, an HSA gives you the extra flexibility to invest for retirement (tax-free!) -or- save today (also tax-free!) so you can spend on quality care for your family, anytime:

  • Childbirth classes & coaching
  • Pregnancy tests
  • Prenatal vitamins
  • Breast pumps and other supplies that assist lactation
  • Prenatal and postnatal lactation support and consulting services
  • Lab work
  • Ultrasounds
  • Doulas
  • Condoms
  • Fertility trackers
  • Ovulation tests
  • Pregnancy tests
  • Fertility treatments
  • Cold, cough, and flu medicine
  • Tampons, pads, and liners
  • Pain relievers and anti-inflammatory medications
  • Allergy and sinus medicine
  • Digestive aids and laxatives
  • Baby rash ointments and creams
  • Baby electrolytes
  • Birth control
  • Sleep aids
  • Skin treatments for conditions such as eczema and psoriasis
  • Acid controllers
  • Acne medications
  • And much more...

If I don’t have a FSA or HSA, where can I get one from?

Flexible spending accounts (FSAs) are a benefit issued by your employer only. Contact your HR department to learn more about FSAs.

Health savings accounts (HSAs) can also come from your employer, health plan, or you can have your own. Unlike FSA, an HSA is a true retirement account that functions more like an IRA or 401K. You can save, invest, or spend from an HSA. The primary requirement to have a HSA is that you also have a High Deductible Health Plan (HDHP).

Most HSAs offered by your employer begin charging you fees should you end your job or take extended maternity or paternity with unpaid benefits. We recommend First Dollar which offers a no-fee HSA, tax-free investing with TD Ameritrade, and up to 85% discount on Rx meds.