HSA and FSA for Pelvic Floor Devices: What's Eligible and How to Use Your Benefits
Your Health Savings Can Work Harder for You
If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you may be able to purchase pelvic floor wellness devices with pre-tax dollars — significantly reducing your out-of-pocket cost. Yet many women don't realize this option exists, or aren't sure how to use it.
This guide explains how HSA and FSA benefits work, what pelvic floor devices are eligible, and how to use your benefits to invest in your pelvic health.
What Is an HSA?
A Health Savings Account (HSA) is a tax-advantaged savings account available to people enrolled in a High Deductible Health Plan (HDHP). Contributions are made with pre-tax dollars, grow tax-free, and can be withdrawn tax-free for qualified medical expenses.
Key HSA features:
- Contributions are tax-deductible
- Funds roll over year to year — there's no "use it or lose it" rule
- The account is yours permanently, even if you change jobs or health plans
- In 2026, the contribution limit is $4,300 for individuals and $8,550 for families
What Is an FSA?
A Flexible Spending Account (FSA) is an employer-sponsored benefit that allows you to set aside pre-tax dollars for qualified medical expenses. Unlike HSAs, FSAs typically have a "use it or lose it" rule — funds must be used within the plan year (though some plans allow a grace period or limited rollover).
Key FSA features:
- Contributions are pre-tax
- Funds are available immediately at the start of the plan year
- Most FSAs have a use-it-or-lose-it rule
- In 2026, the contribution limit is $3,300
What Pelvic Floor Devices Are HSA/FSA Eligible?
Medical devices that are used to treat, diagnose, or prevent a medical condition generally qualify as HSA/FSA eligible expenses. Pelvic floor devices designed to treat urinary incontinence or pelvic floor dysfunction typically qualify.
SculptHer products that are currently HSA/FSA eligible:
- PelviRestore — designed to treat pelvic floor dysfunction and urinary incontinence
Visit our HSA/FSA Eligible Products page for the complete and up-to-date list of eligible SculptHer products.
How to Purchase SculptHer Products with HSA/FSA Funds
Using your HSA or FSA to purchase eligible SculptHer products is straightforward:
- Check your account balance — Log into your HSA or FSA account to confirm your available balance
- Use your HSA/FSA card at checkout — Most HSA and FSA accounts come with a debit card that can be used directly at checkout, just like a regular debit card
- Save your receipt — Keep your purchase receipt in case your HSA/FSA administrator requests documentation
- Reimburse yourself if needed — If you paid out of pocket, you can submit a reimbursement claim to your HSA/FSA administrator with your receipt
Why This Matters
HSA and FSA contributions are made with pre-tax dollars, which means you're effectively getting a discount equal to your marginal tax rate. For someone in the 22% tax bracket, a $200 pelvic floor device effectively costs $156 when purchased with HSA/FSA funds.
For women who have been putting off investing in their pelvic health due to cost, HSA/FSA eligibility removes a significant barrier.
Frequently Asked Questions
Do I need a prescription to use HSA/FSA funds for a pelvic floor device?
For most HSA/FSA eligible medical devices, a prescription is not required. However, requirements can vary by plan administrator. Check with your specific HSA/FSA provider if you're unsure.
What if my HSA/FSA card is declined?
If your card is declined, you can pay out of pocket and submit a reimbursement claim to your HSA/FSA administrator with your receipt. Most administrators have an online portal or app for submitting claims.
Can I use my HSA/FSA for pelvic floor physiotherapy?
Yes — pelvic floor physiotherapy sessions are generally HSA/FSA eligible as a qualified medical expense.
Invest in Your Pelvic Health — Tax-Free
Your pelvic floor health is a legitimate medical investment — and your HSA or FSA can help make it more affordable. Don't let unused pre-tax dollars go to waste when they could be working toward your health.
Explore our HSA/FSA Eligible Products page for the full list of eligible SculptHer products.
This article is for informational purposes only. HSA/FSA eligibility rules can vary by plan and administrator. Consult your plan documents or administrator for specific guidance on your account.
