HSA/FSA Coverage

Milky Oat is committed to ensuring our products and programs are accessible to everyone navigating fertility, pregnancy, postpartum, and beyond. Below, we provide details on how you might reduce your out-of-pocket costs for Milky Oat Plans through the use of HSA or FSA dollars. Please note that reimbursement eligibility depends on your specific situation, your healthcare provider’s recommendations, and your HSA or FSA administrator’s policies. While we can’t make any guarantees, we hope this information is helpful. Feel free to reach out to us at delivery@milkyoat.com for more details.


What is an HSA or FSA?

Both HSAs and FSAs are tax-advantaged accounts that let you use pre-tax dollars for certain medical expenses.

  • HSA (Health Savings Account): A personal savings account for healthcare spending, tax-free. It’s available to those with high-deductible health plans. You can contribute pre-tax dollars and use them for qualified medical expenses. This account is yours, and funds roll over annually.

  • FSA (Flexible Spending Account): An employer-sponsored savings account allowing pre-tax contributions for qualified medical expenses. The employer owns the account, and funds typically expire yearly—use it or lose it.

What can I use my HSA or FSA dollars for?

HSA and FSA dollars can cover “qualified medical expenses” as defined by the IRS. This includes deductibles, copayments, and medically necessary products or services (e.g., breast pumps, IVF procedures, ovulation tests, prescribed medications). A comprehensive list of qualified medical expenses can be found on the IRS website.

Can I use HSA and FSA dollars to pay for Milky Oat?

Possibly! Products and services solely for general health and wellness aren't eligible. However, if your healthcare provider recommends Milky Oat for a specific medical condition (e.g., gestational diabetes, pre-diabetes, hypertension, postpartum depression, anxiety), you may be able to get reimbursed.

How do I use my HSA or FSA to pay for Milky Oat?

You have two main options:

  1. HSA/FSA Debit Card: Some plans come with a debit card you can use directly for purchases.
  2. Reimbursement Claims: Pay out of pocket, then submit a receipt and a letter of medical necessity to your HSA/FSA administrator for reimbursement.

For Milky Oat:

  • Discuss with your healthcare provider if Milky Oat is right for you.
  • Obtain a letter of medical necessity if recommended.
  • Purchase Milky Oat.
  • Submit your receipt and letter to your HSA/FSA provider for reimbursement.

How long does it take to get reimbursed?

Reimbursement timing varies by HSA/FSA administrator. We recommend filing promptly. Note that FSAs may have specific deadlines or grace periods. Check your plan details and consult your administrator directly. Since HSA funds roll over annually, there is no time limit for submitting claims.

Remember to keep all receipts and related documentation!

Disclaimer: This information is for informational purposes only and does not constitute medical, benefit, or tax advice. Consult your healthcare provider and/or HSA/FSA provider before making any transactions.