Are Postpartum Care Services HSA/FSA Eligible?
Yes, under IRS guidelines, many postpartum and newborn care services qualify as eligible medical expenses under Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). However, coverage rules vary depending on your administrator and whether a Letter of Medical Necessity (LMN) is provided.
Step-by-Step HSA/FSA Reimbursement Process
Obtain a Letter of Medical Necessity (LMN)
Ask your Obstetrician (OB-GYN), Midwife, or Pediatrician to write an LMN stating that postpartum doula or overnight care is required for maternal physical recovery, prevention of postpartum depression (PPD), or infant care assistance.
Request an Itemized Invoice from Your Provider
Ensure your hired doula or night nanny provides a detailed receipt listing service dates, hourly rates, provider certifications, and tax identification (EIN or SSN).
Submit Claim to Your HSA/FSA Administrator
Upload your LMN and itemized invoice directly into your provider's online portal (e.g., Optum Financial, HealthEquip, WageWorks) for direct reimbursement.
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