If your workplace offers a Flexible Spending Account (FSA) or Health Savings Account (HSA), here’s some news you should know: Amazon is now accepting FSA and HSA cards as a means of payment on eligible products.
With this policy update, Amazon could seriously change how some customers purchase health care supplies. After all, why go to the store to pick up band-aids when you can have them delivered?
How Can I Use FSA and HSA Cards on Amazon?
FSAs and HSAs allow you to contribute a portion of your pre-tax salary to cover medical expenses. Check with your workplace or plan administrator for more information.
If you’re currently enrolled in one of these plans, you can now add your FSA or HSA card as a payment option in your Amazon account. That means using pre-tax income on everything from air purifiers to prenatal vitamins, all with Amazonian delivery speeds.
Just keep in mind that you must register some HSA cards as credit cards. According to Amazon, “If you register your HSA card as a credit card, you’ll be responsible for ensuring the card is used only for eligible products.”
That’s because HSA cards registered as credit cards don’t “automatically restrict the types of products you can purchase with the card.”
What Amazon Items Are FSA and HSA Eligible?
Not sure what you can buy with your FSA or HSA card? You can view Amazon’s complete list of eligible brands and products here.
Amazon will also include “FSA or HSA Eligible” disclaimers on product pages to make things simpler.
Generally speaking, though, FSA and HSA cards can be used on health care expenses. (Think items like medical devices, first aid products and even sunscreen.) Plus, cardholders can buy things for their family or eligible dependents.
That said, it’s still a good idea to check with your employer about any possible restrictions.
And to stay up to date on the latest Amazon news and deals, take a second to set up a Deal Alert with us.
Frequently Asked Questions About Amazon FSA and HSA Purchases
Luckily, our community has great insight to offer on Amazon FSA and HSA purchases. Here are their answers to the most frequently asked questions. And thanks to everyone who contributed these answers:
Q: What exactly is an FSA or HSA card?
A: Also known as health benefit accounts, Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) allow you to use a portion of your gross salary or wages to cover any incurred medical expenses that you’d otherwise have to pay for out of pocket.
Not sure if you have an FSA or HSA? Check with your employer or plan administrator.
Q: How do you use FSA or HSA cards to shop on Amazon?
A: Amazon allows you to add your FSA or HSA card to your account as a method of payment. You can then use your card to make eligible purchases.
Q: Which items are FSA or HSA eligible on Amazon?
A: Not all healthcare products on Amazon are FSA or HSA eligible. Therefore, it’s important to know which ones are covered by your health benefit account. Eligible Amazon products are labeled “FSA or HSA Eligible” on their individual product pages. You can also browse a complete list of eligible items here.
Your FSA or HSA card can even cover the product tax and shipping. If your order contains ineligible items or you’d like to gift wrap to an eligible product, simply add another method of payment. Amazon will charge the correct amount to each card or payment method.
Q: Can you purchase over-the-counter (OTC) medicines with your FSA or HSA card?
A: In order to purchase OTC medicines with an FSA or HSA card, you need a prescription — and this feature is not yet supported by Amazon. That said, you can use other payment methods to purchase these items on Amazon and then request reimbursement from your plan administrator.
Find out how to provide appropriate documentation for reimbursement by contacting your plan administrator or employer.
Q: Are the same items covered by both FSA accounts and HSA accounts?
A: Yes, all eligible items are covered by both FSA and HSA cards alike.
Q: How do you register your HSA card for use on Amazon?
A: Many cards can be registered as FSA/HSA cards on Amazon, but some may need to be registered as credit cards instead. If you register your FSA/HSA card as a credit card, you’ll be responsible for making sure the card is only used for eligible products.
HSA cards registered as credit cards don’t automatically restrict the types of products you can purchase, and you may need to report ineligible purchases and pay additional taxes. Contact your plan administrator or employer for more information.
Q: Can you use an HRA card on Amazon?
A: Possibly. While some Health Reimbursement Arrangements (HRAs) cards are accepted on Amazon, others are not. This ultimately depends on your HRA plan’s eligibility rules, so contact your plan administrator or employer for more information.
Q: Are past Amazon purchases eligible for FSA or HSA reimbursements?
A: Yes! Review a complete list of your previous purchases under “Your Orders” in your Amazon account. For more information on which items are eligible and how to provide proper documentation for reimbursement, contact your plan administrator or employer.
Q: Can you use a Dependent Care FSA account for Amazon purchases?
A: Dependent Care FSA accounts are actually different from Health Care FSA accounts. Unfortunately, Amazon does not currently offer products or services that are eligible for reimbursement through a Dependent Care FSA.
Q: Do FSA funds expire?
A: Yes. FSA funds are usually limited to eligible expenses incurred during a one-year time period. Any unspent amounts are forfeited. Furthermore, Amazon doesn’t charge your FSA card until your order ships. That’s why it’s important to know your plan’s deadline and purchase eligible items before your funds expire. Contact your FSA plan administrator or employer for additional information.
Q: Do HSA funds expire?
A: Unlike FSAs, HSAs do not have set expiration dates. That means you don’t have to worry about using your funds within a certain timeframe. Still, we recommend contacting your plan administrator for further details.
Q. What should you do if your FSA or HSA card is declined?
A: If your FSA or HSA card is declined, contact your employer or plan administrator via the number located on the back of your FSA or HSA card. Most of the time, this is due to expired FSA funds, newly issued FSA/HSA cards or unfunded accounts.
Q: Whose healthcare products are covered?
A: Generally speaking, eligible health care expenses incurred by you, your spouse and your children or tax dependents are covered by your FSA or HSA card. Of course, it’s a good idea to double-check with your employer or plan administrator for possible restrictions.
Q. Can you return items purchased using an FSA or HSA card?
A: Yes, Amazon accepts FSA and HSA returns. Your refund is issued to the original FSA/HSA card used for the purchase. Unfortunately, gift card refunds aren’t possible for items purchased using your FSA or HSA card, including gifts. If the recipient wants to return an item you purchased for them using your FSA or HSA card, you must request the refund yourself.
A big thanks to Slickdealer corpusguy for sharing this info on our forums!