If you have a Flexible Spending Account (FSA) or a Health Savings Account (HSA), you may be able to save hundreds of dollars a year on your home medical equipment. At Alpine Home Medical, we want to help you make the most of your benefits — and ensure you get the equipment and supplies you need without overpaying.
Let’s walk through what these accounts are, how they work, and how to use them on AlpineHomeMedical.com or in our stores.
What Is a Flexible Spending Account (FSA)?
An FSA is a benefit offered by many employers that lets you set aside pre-tax money to pay for approved medical expenses. That means you can use your FSA for things like:
- Copays and deductibles
- Prescription medications
- Certain medical equipment and supplies
Because the money goes in before taxes, it lowers your taxable income and helps you save.
Key Things to Know About FSAs
- In 2024, you can contribute up to $3,200 per year.
- Some employers let you carry over up to $640 into the next year, or give a 2½-month grace period — but not both.
- If you don’t use your FSA funds by the end of your plan year (plus any grace period), you’ll lose them.
- FSAs are managed through your employer’s HR or benefits department — that’s who to contact for your plan’s specific rules.
💡 Alpine Tip: Don’t wait until the end of the year to use your funds. Many customers stock up on medical supplies or upgrade their home equipment before FSA dollars expire.
What Is a Health Savings Account (HSA)?
An HSA is similar to an FSA, but it’s designed for people with high-deductible health plans (HDHPs). You can use your HSA to pay for qualified medical expenses tax-free — and the money you don’t spend rolls over year after year.
Key Things to Know About HSAs
- HSAs are available if you’re covered by an HDHP.
- In 2025, the contribution limits are $4,300 for individuals and $8,550 for families, plus a $1,000 catch-up for those over 55.
- Funds never expire — they stay in your account even if you change jobs.
- You can reimburse yourself later for medical expenses, as long as you keep your receipts.
💡 Alpine Tip: Because HSAs roll over, you can save for larger purchases like mobility equipment or CPAP systems, and pay yourself back when it fits your budget.
What’s the Difference Between an FSA and an HSA?
| Feature | FSA | HSA |
|---|---|---|
| Who Qualifies | Offered by your employer | For those with a high-deductible health plan |
| Contribution Limit | $3,200 (2024) | $4,300 individual / $8,550 family (2025) |
| Funds Expire | Yes, unless carryover or grace period | No, they roll over every year |
| Portability | Stays with your employer | Yours for life |
| Administered By | Employer / HR | Bank or HSA provider |
If you’re not sure which you have — or whether Alpine products qualify under your plan — please check with your HR or benefits administrator. Every plan is slightly different.
How to Use Your FSA or HSA at Alpine Home Medical
Using your account is simple!
- Shop eligible products online or in-store.
Most Alpine Home Medical equipment and supplies qualify for FSA or HSA use. - Pay with your FSA or HSA card at checkout (if available).
You can also pay out-of-pocket and request reimbursement through your plan. - Save your receipt and any documentation your plan may require (like a doctor’s prescription or Letter of Medical Necessity).
If you’re unsure whether your item qualifies, reach out to your HR department for guidance before purchasing.
Alpine Home Medical Products: Typically Eligible for FSA/HSA
Most products that treat or manage a medical condition qualify as “eligible medical expenses” under IRS rules. That includes many of the items you’ll find at Alpine Home Medical.
Common FSA/HSA-eligible items available at Alpine:
- CPAP and BiPAP machines and replacement supplies
- Nebulizers and respiratory equipment
- Mobility aids such as wheelchairs, walkers, scooters, and canes
- Lift chairs and patient transfer aids
- Home safety items like grab bars, shower chairs, and raised toilet seats
- Wound care and incontinence supplies
- Orthopedic supports, braces, and compression garments
- Diagnostic devices such as blood pressure monitors and pulse oximeters
Some items may require a doctor’s note or Letter of Medical Necessity, depending on your plan’s rules.
Medicare and HSA Rules
If you’re enrolled in Medicare, you can still use your HSA funds for qualified expenses — but you can’t make new contributions once Medicare coverage begins.
You can use HSA dollars to pay for:
- Medicare Part A, B, C, or D premiums
- Deductibles, copays, and qualified medical supplies
- Home medical equipment prescribed by your doctor
However, you cannot use HSA funds for Medigap (Supplement) premiums.
If you’re approaching age 65, it’s best to check with your HR department or benefits coordinator before making new HSA contributions.
Need Help?
At Alpine Home Medical, we’re here to make your health journey easier and that includes helping you use your benefits wisely.
If you’re unsure whether a product qualifies, please contact your HR or benefits department first for details about your specific plan. Then, shop confidently knowing Alpine Home Medical provides trusted, high-quality equipment that’s typically eligible for FSA and HSA reimbursement.
Visit us online or at your nearest Alpine Home Medical location to learn more, or reach out to our team anytime for product guidance.
Most Common Questions From Our Customers
Can I use FSA or HSA funds for home medical equipment?
Yes! Most Alpine Home Medical products qualify as eligible medical expenses under IRS guidelines.
What if my FSA/HSA card doesn’t work at checkout?
Some plans require documentation or manual reimbursement. Save your Alpine receipt and contact your HR or plan administrator.
Do I need a prescription?
Some items (like CPAP machines or certain mobility aids) require a doctor’s order. Check with your provider or HR department.
Can I buy online and still use my benefits?
Yes — Alpine Home Medical accepts FSA/HSA cards online and in-store.
