Breast Pumps Through FSA or HSA
As a new mother in Northern Illinois, you’ve likely got a lot on your plate, including figuring out how to ensure that your baby is fed and well-nourished at all times. One of the most important steps for many new mothers in adjusting to new motherhood is getting a breast pump to ensure not only that their baby has the milk they need when they need it but also that they (the mother) are comfortable and healthy, too. However, getting a breast pump means that you’re purchasing medical equipment, and if you’re looking for ways to save money as you adjust to parenthood, you may be able to get it with your insurance or money that’s set aside for medical expenses as part of your insurance plan. If you have an FSA or an HSA through your health insurance plan, you have a great tool for getting your essential breast pump, and it can be even easier than purchasing a pump from The Breast Pump Store with insurance! Don’t let your flexible spending account (FSA) or health savings account (HSA) dollars go to waste. Put them to good use for you and your baby with The Breast Pump Store’s selection of top-quality breast pumps, kits, and accessories to ensure that you have everything you need to keep yourself and your baby healthy, happy, and feeling great!
What are FSAs?
Flexible spending accounts (FSA) are accounts set up through the employer-sponsored healthcare plan that allows you or your spouse to set aside pre-tax money from your paycheck to cover the cost of qualified medical expenses. This money is specifically designated for “qualified” healthcare expenses, which can include accessories, tools, services, and more. If you’re unsure whether or not you have an FSA, the easiest way to figure it out is to check with your employer’s human resources department to discuss the matter. FSAs are funded automatically through regular paycheck deductions, are pre-taxed money, and they’re not eligible for manual contributions, so you cannot deposit money into these accounts without it coming directly from your paycheck. One of the most important things to remember about FSAs is that they’re subject to a use-it-or-lose-it rule, which means that any funds you leave unspent by the end of the plan year are forfeited to back to your employer, and can no longer be used for your health expenses or needs.
What are HSAs?
Similar to FSAs, HSAs, or health savings accounts, are a type of savings account also set up by the employer-provided health plan that lets you set aside money on a pre-tax basis in order to pay for qualified medical expenses. By using the untaxed dollars in your HSA to pay for deductibles, copayments, coinsurance, and some other expenses, you can likely lower your overall healthcare costs, including when it comes to purchasing medical equipment like a breast pump. While you can use the money you’ve set aside in your HSA to pay for a wide range of medical expenses and purchases, it’s important to remember that you can only contribute to an HSA if you have a specific type of health plan. However, unlike FSAs, your HSA funds will roll over year-to-year, so if you don't spend the money you’ve saved, you still get to keep it instead of forfeiting that money back to your employer. In addition to this, an HSA can also earn interest or gain other earnings, which are not taxable! HSAs are a great tool for many growing families, and the flexibility of being able to set aside health-specific funds is a great way to ensure that you have the money you need to keep your baby healthy and happy! HSA funds are also a great tool to use for purchasing your breast pump.
FAQS About Breast Pumps and Buying Them
What’s Covered With FSAs and HSAs?
When it comes to spending the money that you’ve saved with your FSA or HSA, you actually have a lot more flexibility than you may think. Of course, it’s important to double-check your policies, regulations, and guidelines for your specific account, but most FSAs/HSAs for Northern Illinois moms will cover the purchase of medically-necessary equipment and more. These items can range from using your HSA or FSA to pay for dental gear, eyewear or contacts, medical supplies, and even some over-the-counter medications! Breast pumps also count under the medical machinery category that people in Northern Illinois are able to purchase without penalty using their health or flexible savings accounts. If you have an FSA or HSA, you can purchase a high-quality breast pump from The Breast Pump Store easily!
Buying Breast Pumps with Insurance
Of course, you can still save money on purchasing your breast pump by using your insurance benefits and coverage to get what you need. At The Breast Pump Store in Northern Illinois, our focus is on helping moms like you get the equipment you need most in order to stay healthy and happy while keeping your baby healthy and fed! Many insurance providers include coverage for breast pumps in their policies, and with a prescription for a breast pump, you’re more likely to get the machine you need without hassle. However, it’s also important to remember that not all insurance providers offer the same coverage, so our team is here to help you figure out which pumps are right for you, how you can get a prescription, and how to purchase your breast pump, either with your insurance benefits or with your FSA or HSA.
Do You Need a Prescription?
While it’s not necessary in Northern Illinois to have a prescription for your breast pump in order to purchase one using an FSA or HSA account, having a prescription can help in case there are complications or audits on your savings account spending. The Breast Pump Store makes it easy to get a prescription for a high-quality breast pump to ensure your health and safety, so if you’re considering getting a breast pump, work with our team today to ensure that you have everything that you need! Get started by giving one of our friendly and knowledgeable customer service representatives, and we’ll walk you through the process of getting a prescription for your breast pump. This can also be helpful in figuring out if your insurance coverage will instead pay for the pump without requiring you to spend your saved personal funds!
Shop For Breast Pumps
After you’ve done the research to figure out which savings plan you have, if your insurance will cover the purchase of a breast pump, and how to get your breast pump prescription, you can get started with shopping for the machine! At The Breast Pump Store, we’re proud to offer a high-quality selection of pumps, accessories, and kits that are designed with new mothers in mind. Whether you’re a first-time mom who’s unfamiliar with these machines and what to look for, or this is the most recent of multiple pregnancies in your life, our team is here to help you figure out what will work best for your body, your baby, and your needs. We have friendly and helpful customer service representatives ready to help moms like you, so if you ever have any questions about breast pumps, our selection, or anything related, give us a call!
Finding Everything You Need
One of the most important parts of beginning your motherhood journey is being as prepared as possible to handle anything. While many parents feel completely unprepared for the trials and tribulations of parenthood, taking steps to gather materials, tools, and accessories can help to alleviate or lessen that feeling of overwhelm. With this in mind, The Breast Pump Store is proud to carry and offer a range of high-quality breast pumping kits and accessories in order to make your pumping experience easier and smoother. Whether you are buying a pump for the first time or you’re upgrading to a new pump to feed your second, third, or fourth baby, our store has the options you’re looking for, and we make it easier for you to purchase these pumps using your insurance coverage or health care savings account. When it comes to finding the right tools, accessories, and kits, our team is here to make it easy! Just give us a call today to get started.
Purchasing A Breast Pump With Your FSA or HSA
If you have an FSA or HSA in Northern Illinois that you want to use to purchase your breast pump with, that’s fantastic! One of the best reasons to sign up for one of these accounts is to make acquiring medical equipment easier than filing a claim, and buying a breast pump is no different. Once you’ve found the breast pump on our site that you want to purchase, click the ‘Pay With Cash or anHSA/FSA Account’ button, then add it to your cart! Check out like normal, using the card provided to you for your FSA or HSA to pay, and you’re done!
At The Breast Pump Store, our team is here to help you with your breast pump needs, so give us a call today if you have any questions about using your FSA, HSA, or insurance to pay for your breast pump!