Waterproof mattress cover
A waterproof mattress cover may be eligible for HSA, FSA, and HRA reimbursement if it is primarily used to treat or mitigate a specific medical condition, such as incontinence or severe allergies.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
The waterproof mattress cover must be used to treat or alleviate a specific diagnosed medical condition, such as incontinence, bedwetting, or severe allergies (e.g., asthma triggered by dust mites).
A Letter of Medical Necessity from a healthcare provider may be required to substantiate that the item is medically necessary for a specific condition, especially if the primary use is not immediately obvious as medical.
Quick Reference
The IRS allows expenses paid for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body. A waterproof mattress cover can qualify if it is purchased primarily to address a medical condition like incontinence or to mitigate symptoms of severe allergies by creating a hypoallergenic sleep environment, rather than for general comfort or convenience.
When It Qualifies
- •Must be primarily for medical care to treat or mitigate a specific diagnosed medical condition.
- •Documentation (such as a Letter of Medical Necessity or a doctor's note) may be required to prove medical necessity.
When It Doesn't
- •Not eligible if purchased for general mattress protection, comfort, or non-medical reasons.
- •Not eligible if it is merely beneficial to general health.
Official Source
IRS Publication 502
What Are Medical Expenses?
View on IRS.gov
Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
Eligibility can vary by plan administrator. Always retain detailed receipts and a Letter of Medical Necessity (if applicable) for your records. This information is for educational purposes only and not tax or legal advice.