HSA/FSA Payments & Eligibility | Go Mommy
HSA & FSA
Reimbursement Guide
Go Mommy Silver Nursing Cups qualify as a lactation aid under most HSA and FSA plans. Use pre-tax dollars and pay significantly less out of pocket.
3 Steps to Get Reimbursed
You do not need to use your HSA/FSA card at checkout. Purchase any way you like, then claim reimbursement.
Purchase — any payment method
Buy your Silver Nursing Cups on gomommyus.com using a credit card, PayPal, or Amazon Pay. For HSA/FSA reimbursement, purchase directly on our website — not through third-party marketplaces — so you receive our reimbursement-ready invoice.
Receive your reimbursement invoice
After payment, we email you a PDF invoice containing the "Breastfeeding Supply / Lactation Aid" category code your plan administrator needs. Check your inbox — and spam folder — within 10 minutes. If it does not arrive, email info@gomommyus.com with your order number.
Submit to your benefits portal
Log in to your HSA/FSA portal (WageWorks, Fidelity, Optum, HealthEquity, etc.) and upload the PDF invoice. Reimbursement is typically processed within 3 to 5 business days.
- WageWorks / HealthEquity
- Fidelity NetBenefits
- Optum Bank
- Further (formerly SelectAccount)
- Ameriflex
- PayFlex / Aetna
- Cigna / Evernorth
- Any HSA or FSA plan portal
- Our PDF reimbursement invoice
- Select category: Medical / Breastfeeding
- Enter amount matching the invoice
- Submit — no other documents needed in most cases
Why Silver Nursing Cups Qualify
Not all baby products are eligible. Here is the legal and clinical basis.
📋 IRS Publication 502 — Lactation Supplies
Under IRS Publication 502, breast-related medical expenses include equipment and supplies that facilitate breastfeeding — not only breast pumps. Silver Nursing Cups qualify because:
- They are worn specifically to support and maintain the ability to breastfeed by protecting nipple integrity between feeding sessions.
- They directly address a documented medical need: nipple trauma, soreness, and damage that are among the leading causes of early breastfeeding discontinuation.
- Their primary purpose is therapeutic — not cosmetic, not general wellness. They have no consumer use outside of breastfeeding support.
- The ACA (Affordable Care Act) mandates that HSA- and FSA-eligible expenses include breastfeeding equipment and supplies beyond the pump itself.
- Product name and description
- Category: Breastfeeding Supply / Lactation Aid
- Purchase amount and date
- Go Mommy LLC business information
- Order reference number
HSA vs. FSA — Know the Difference
Both cover the same eligible expenses. The rules on contributions, rollovers, and flexibility differ.
| HSA | FSA | |
|---|---|---|
| Plan requirement | Requires High Deductible Health Plan (HDHP) | Available with most employer health plans |
| 2025 contribution limit | $4,300 individual / $8,550 family | $3,300 per employee |
| Unused funds | Roll over indefinitely — never lost | Use-it-or-lose-it (up to $660 rollover in some plans) |
| Investment growth | Can be invested — grows tax-free | No investment option |
| Portability | Yours permanently if you change jobs | Employer-linked — may lose unused funds |
| Best for | Long-term savings + current eligible purchases | Planned expenses within the current plan year |
Other HSA/FSA Eligible Items
Silver Nursing Cups are one of many items that qualify. Keep receipts for all purchases.
Breastfeeding
- Breast pump (electric or manual)
- Pump accessories — flanges, valves, tubing
- Nursing pads (disposable & reusable)
- Nipple shields
- Nipple balm and cream
- Breast milk storage bags & bottles
- Haakaa / silicone pump
- Portable bottle warmer (for expressed milk)
- IBCLC lactation consultant fees
Baby Care
- Digital & rectal thermometers
- Nasal aspirator
- Saline nasal drops
- Infant acetaminophen / ibuprofen
- Diaper rash cream (zinc oxide)
- Baby sunscreen SPF 15+ (6 months+)
- First aid kit supplies
- Pulse oximeter (if prescribed)
Mom Recovery
- Peri bottle (postpartum care)
- Witch hazel pads
- Maternity pads (heavy flow)
- Nursing bra (with LMN)
- Hands-free pumping bra (with LMN)
- Hospital-grade pump rental
- Prenatal vitamins (with LMN)
For the complete guide including spending plan and LMN templates → HSA/FSA Eligible Baby Items Guide
How Much Can You Save?
Illustrative first-year savings at a 25% effective tax bracket. Higher brackets save proportionally more.
Typical First-Year Baby & Breastfeeding Spend
IRS limits are adjusted annually. Verify at irs.gov or with your plan administrator.
Frequently Asked Questions
Questions we hear most often — answered directly.
Yes. You can enter your HSA or FSA debit card at checkout on our website. If the card is declined — which can happen when a payment system does not automatically recognize the eligible category — simply pay with a personal credit card and submit our reimbursement-ready invoice to your benefits portal. Both methods result in full reimbursement.
Amazon issues its own standard receipt that does not include the "Breastfeeding Supply / Lactation Aid" category code your plan administrator needs. Our reimbursement-ready invoice is only automatically generated for orders placed directly on gomommyus.com.
If you have already purchased through Amazon, email us your order number at info@gomommyus.com and we will issue a reimbursement invoice manually within one business day.
Under IRS Publication 502, breastfeeding equipment and supplies that facilitate breastfeeding qualify as medical expenses. Silver Nursing Cups meet this definition because their sole purpose is therapeutic — protecting nipple integrity between feeding sessions to maintain the ability to breastfeed. The ACA additionally mandates that HSA/FSA-eligible breastfeeding expenses extend beyond the pump itself.
We send the invoice by email within minutes of payment confirmation. Check your inbox and spam/junk folder. If you do not receive it within 10 minutes, email info@gomommyus.com with your order number.
Most plans do not require an LMN for breastfeeding supplies — our "Lactation Aid" invoice is sufficient. If your plan specifically requests one, email us at info@gomommyus.com with your plan name and we will provide an LMN template your OB, midwife, or IBCLC can sign.
Both allow you to pay for eligible healthcare expenses with pre-tax dollars. The key difference: an HSA requires enrollment in a High Deductible Health Plan and funds roll over year after year with no expiry. An FSA is available through most employer plans but unspent funds typically expire at year end (some plans allow a rollover of up to $660). See the comparison table above.
Most plan administrators process claims within 3 to 5 business days after you submit the invoice. Processing time varies — some approve same-day, others may take up to 2 weeks. If you have not received reimbursement within 10 business days, contact your plan administrator with your claim reference number.
Disclaimer: Go Mommy LLC cannot guarantee HSA/FSA reimbursement approval for every individual plan. The eligibility information on this page is based on IRS Publication 502 and ACA breastfeeding mandate provisions as of 2025 and is provided for informational purposes only — it does not constitute tax or legal advice. Contribution limits reflect IRS 2025 figures and are subject to annual adjustment. Always confirm eligibility with your plan administrator before making purchasing decisions based on expected reimbursement.
Questions? ✉️ info@gomommyus.com