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Old 07-06-2012, 11:04 PM   #1
mrspopo
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Cloth diapers and FSA

I remember reading something about being able to use funds from a flexible spending account FSA for cloth diapers. Has anyone done this?

I think it only works if you have a prescription from a doctor that it would be used for treatment. I imagine my doctor would be willing to do this, most doctors are fairly liberal about that sort of thing (we're in a crunchy city).

I'm thinking this might be worth pursing at the end of the year if we haven't used up the rest of the funds. So far we've spent $35 of our $500... and I would hate for that money to go to waste if we don't end up needing it for anything else.

Has anyone else done this? Would anyone else have moral qualms if you don't technically have a disease you're treating? We do have some recurring redness, but we honestly haven't used sposies in over a year.

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Old 07-06-2012, 11:17 PM   #2
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I have never heard of this. I'm an accountant but I am not a tax accountant. I'm pretty sure this is incorrect. Deductible medical expenses are pretty strict and I can't imagine cloth diapers qualifying, unfortunately. Now that is not to say that someone hasn't done this. Anyone can try it but you would face penalties if audited if it is determined to not be deductible.

And yes, I would have ethical qualms with doing this, personally.

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Old 07-06-2012, 11:18 PM   #3
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Re: Cloth diapers and FSA

I used mine to buy a breast pump last year. (My OB didn't have a problem writing me a script while I was pregnant.) I didn't think about diapers! But the reason many people use cloth is because of sensitive skin. I would have done this if I knew about it!

(* We have a Health Savings Account now and not an FSA. It is still tax free BUT has the benefit of you don't lose the $$ at the end of the year AND you can adjust the amount you put into it through out the year if needed. )
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Old 07-06-2012, 11:21 PM   #4
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Re: Cloth diapers and FSA

(I think the "diapers" that would be deductible would be for older special needs children and adults. Those are considered medical expenses and covered by some insurance/medicare. I would call to verify before I made a purchase)
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Old 07-06-2012, 11:49 PM   #5
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Re: Cloth diapers and FSA

http://realdiaperevents.org/archives...-cloth-diapers

I think this is the article I read about it a while ago. Looks like it was from 2009.
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Old 07-06-2012, 11:56 PM   #6
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Re: Cloth diapers and FSA

It sounds completely reasonable, legal, and not morally wrong if your LO has a disposable allergy. If your LO has a medical issue with disposables, then medically you must use cloth. However, this would need to be true and would need a doctor's verification.

On a side note, cloth should have tax benefits since it's better for the environment, our babies, etc etc... it's too bad they're not a deductible cost anyway, well something to write to the congressman about!
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Old 07-07-2012, 12:30 AM   #7
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Re: Cloth diapers and FSA

Pump should be covered on insurance most of the time I was told but I had a good working one so no need from nurse at hospital for new plus I got $ from helping hands milk bank that supports susan g komen since I donated 1600 & some & total just under 2000 oz of milk.
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Old 07-07-2012, 07:47 AM   #8
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Originally Posted by Rdesonia
(I think the "diapers" that would be deductible would be for older special needs children and adults. Those are considered medical expenses and covered by some insurance/medicare. I would call to verify before I made a purchase)
Yes!!! I believe they are considered medical equipment for those with special needs.

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