CPAP humidifier
A CPAP humidifier is eligible for HSA, FSA, and HRA accounts when used to treat a diagnosed medical condition.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
The CPAP humidifier must be used to treat a specific, diagnosed medical condition, such as sleep apnea.
While not explicitly stated for accessories, a CPAP machine itself requires a prescription. It is advisable to have a prescription or a Letter of Medical Necessity (LMN) from a licensed healthcare provider for the CPAP humidifier to substantiate its medical necessity.
Quick Reference
A CPAP humidifier is considered medical equipment or an accessory to medical equipment used for the treatment of a medical condition, such as sleep apnea. The IRS allows expenses paid for equipment, supplies, and diagnostic devices needed for the diagnosis, cure, mitigation, treatment, or prevention of disease to be qualified medical expenses.
When It Qualifies
- •Must be prescribed or recommended by a medical professional for a diagnosed medical condition (e.g., sleep apnea).
- •Used in conjunction with a CPAP machine for medical treatment.
When It Doesn't
- •Not eligible if used solely for general comfort or wellness without a diagnosed medical condition.
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Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
While generally eligible, specific plan administrators may have varying documentation requirements. Always retain detailed receipts and a copy of any prescription or Letter of Medical Necessity. This information is for educational purposes and not tax or legal advice.