As of December 2023, you could potentially use a Health Savings Account (HSA) or a Flexible Spending Account (FSA) to pay for doula services, and you can easily match with Doulas who accept HSA and FSA in under 30 seconds on Bornbir. Below are three things to consider.
- Medical Necessity: To use HSA or FSA funds for doula services, they generally need to be considered medically necessary. You might need a doctor's note or prescription stating that doula services are necessary for a specific medical condition.
- Tax-Advantaged Account Eligibility: Check with your HSA or FSA provider to ensure that they allow payments for doula services. Policies can vary among different providers, so it's essential to confirm eligibility before making any payments.
- Proper Documentation: Keep detailed records of payments and any supporting documentation, such as a doctor's note or prescription, to substantiate that the expense was medically necessary.
Please note that regulations regarding HSA and FSA eligibility and allowable expenses may change over time, and policies can differ among providers. It's crucial to consult with your HSA or FSA administrator or a tax professional for the most up-to-date and accurate information regarding the use of these accounts for doula services.
References: Presented below is a compilation of health insurance companies operating in the United States that were examined for this article.
- UnitedHealth Group: UnitedHealth Group is one of the largest health insurers in the United States. They offer a variety of health insurance products and services, including employer-sponsored plans, individual and family plans, and government programs.
- Anthem, Inc.: Anthem operates under various brand names, including Blue Cross Blue Shield in many states. They offer health insurance plans both for individuals and through employer-sponsored coverage.
- Aetna: Aetna, a subsidiary of CVS Health, provides a wide range of health insurance options, including individual and group plans, as well as Medicare and Medicaid services.
- Cigna: Cigna offers health insurance plans and services, including dental and behavioral health coverage, for individuals, employers, and government programs.
- Humana: Humana specializes in Medicare Advantage plans, Medicare prescription drug plans, and other health and wellness services.
- Kaiser Permanente: Kaiser Permanente is known for its integrated healthcare delivery system, offering both health insurance coverage and healthcare services through its network of hospitals and medical facilities.
- Centene Corporation: Centene primarily focuses on government-sponsored healthcare programs such as Medicaid and Medicare, but it also offers other health insurance products.
- Molina Healthcare: Molina specializes in government healthcare programs, including Medicaid and Medicare, and provides health insurance coverage to low-income individuals and families.
- WellCare Health Plans: WellCare, now part of Centene, offers Medicaid and Medicare plans and provides managed care services to individuals and families in need.
- Cambia Health Solutions: Cambia operates under various Blue Cross Blue Shield brands in the Pacific Northwest and offers a range of health insurance plans