Flexible spending accounts

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Mom2ThreeKiddos's picture
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Flexible spending accounts

Did you know you can use your pre-tax flexible spending accounts to pay for your Doula and your childbirth education classes. Just thought I would throw that out there. This of course only applies in the US.

MrsMangoBabe's picture
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that is good to know--we were considering taking advantage of the flex spending account option DH's employeer offers. I'm sure my clients would be interested in that info, also. I should put it on my website.

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This isn't necessarily a blanket statement. You need to check both your state's law and your employer's limitations on their flexible spending accounts. Childbirth education expenses might be limited to only the mother's portion (not the partner) or limited to classes given by the place of birth. Doulas may only be covered for the portion of their fee related to the birth itself, i.e. not for prenatal or postnatal support, and they might not be covered at all if other birth support services aren't covered. It's nice when it is covered, but I'd hate to see people lose money by funding their FSA for these things *IF* they aren't covered in your state or your plan.

Mom2ThreeKiddos's picture
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I was under the impression that the FSA was regulated by the federal goverment since it is federal taxes that are impacted.

this is listed in the table of eligible expenses through the information we got from my employer:

Breast feeding consultation, classes or coaching
To become eligible, expense must be supported by a physician statement
Breast feeding supplies
To become eligible, expense must be supported by a physician statement
Examples of Breast Feeding Supplies are: Breast pump, breast pads, breast milk freezing bags, breast shells, cooler tote bags for pumped breast milk.
Childbirth classes
Eligible
Total cost of class.
Doula, doolah, abdula
To become eligible, expense must be supported by a physician statement

I am going to do more research.

Mom2ThreeKiddos's picture
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From what I can tell chilbirth classes are totally covered. Doulas may be covered. Apparently you have to have a note from your doctor telling how the "treatment" would help. Anyway I think it would be a good idea for you to check to see. I mean it for sure couldn't hurt. Employers may have different rules, but the federal regulations can be found here:

https://www.fsafeds.com/fsafeds/summaryofbenefits.asp#HCFSAEligible

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That is great; however, I was told that some of the hospitals accept that, while others do not. Some went with waiver of the fee incase it connected to Medicaid or FHC (Family Health Care). Also, if child birth classes were included within the term of Child and Dependant Care, needs confirmation, many a times from the hospital. It’s best to enquire and get accurate information through any maternity services in New Jersey as well as check the employer details fully. Some of the employers have certain clauses allowing this facility only by mentioned healthcare providers.

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I think it varies. When we had our FSA it wouldn't cover the cost of my homebirth, so it may not cover those things. You'd have to call to varify. My HSA on the other hand, covered my homebirth and birthing pool with no questions asked.