HSA / FSA eligibility

Many Avafem products are eligible for purchase with funds from a Health Savings Account (HSA), Flexible Spending Account (FSA), or Health Reimbursement Arrangement (HRA). On every product page + cart line, look for the small HSA / FSA eligible badge — that's how we mark items that qualify under current IRS Section 213(d) rules.

How we determine eligibility

Eligibility comes from two sources, in this priority:

1. Per-product policy. The Compliance Hub (admin-controlled) holds a per-slug whitelist for products our medical team has classified as 213(d) eligible. This path overrides everything else.
2. Baseline whitelist. A standing list of categories that are eligible by default — period care, prenatal vitamins, breast pumps, magnesium glycinate (when prescribed for cramping or sleep), iron supplements, etc. The default is conservative; if it's not on the list, the badge doesn't show.

What typically qualifies

• Period care: pads, tampons, cups, period underwear (CARES Act 2020).
• Prenatal + postnatal vitamins.
• Breast pumps + lactation supplies.
• Sunscreen with SPF 15+ and broad-spectrum coverage.
• Pregnancy + fertility tests, ovulation kits.
• Iron + magnesium glycinate (with a Letter of Medical Necessity for some plans).
• Pain-relief and warming therapies marketed for menstrual or postpartum recovery.

What typically doesn't

• General skincare (cleansers, moisturisers) without a clinical indication.
• Cosmetic supplements (collagen, biotin) marketed for appearance only.
• Adaptogens + mood supplements without a clinician's LMN.
• Subscriptions where the underlying product wouldn't qualify on its own.

Letter of Medical Necessity (LMN)

Some borderline-eligible items (magnesium for insomnia, certain pain reliefs) qualify only with a clinician's LMN naming the medical condition + recommended product. If you're unsure whether your plan accepts a given product, the safest path is:

1. Ask your plan administrator first (FSA / HSA card carrier).
2. If they ask for an LMN, request one from your clinician. Our telehealth partners — Midi (menopause), Hers (general), Perelel (pregnancy / postpartum) — can issue these via standard consult.
3. Save the receipt. Some plans audit purchases up to 7 years out.

How to pay with your HSA / FSA card

At checkout, you can use any debit card linked to your HSA / FSA. The merchant of record processes the charge — Avafem doesn't see the card details. If your card declines for an item we marked eligible, that usually means your plan administrator hasn't added that merchant's SIC code to their whitelist; pay with another method and submit for reimbursement with the receipt.

Receipts + reimbursement

Every Avafem order generates a detailed receipt accessible from /orders. Receipts include the merchant name, line items, eligibility flag per line, and a statement that products marked eligible meet IRS Section 213(d) per Avafem's compliance review. Most plans accept that as a reimbursement document.

Disclaimer

Eligibility rules change. The IRS publishes guidance, plan administrators interpret it, and edge cases vary by plan. The badge on Avafem reflects our best read at order time — we can't guarantee your specific plan will reimburse a given item. If reimbursement is critical, confirm with your plan administrator before purchase. Avafem isn't a tax advisor; for tax treatment of HSA distributions, please consult a CPA.

Contact

Questions on a specific product's eligibility: support@avafem.com. Plan-specific reimbursement questions should go to your plan administrator.