Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) are tax-advantaged accounts that let you set aside pre-tax money to pay for eligible healthcare expenses. By using these funds for Momcozy essentials, you effectively save up to 30-40% by reducing your taxable income.

Yes! You can use your FSA/HSA debit card just like a standard credit card at checkout. If your card is declined, it may be due to account restrictions set by your provider. In this case, you can pay with a regular credit card and submit your itemized receipt to your provider for reimbursement.

For the smoothest experience, we recommend placing a separate order for your FSA/HSA eligible items. If you combine them, your FSA/HSA card may only cover the eligible portion, or you may need to pay with a personal card and request a partial reimbursement from your provider later.

No. Under the CARES Act, breast pumps, pumping accessories, and many maternity care items are classified as over-the-counter (OTC) medical expenses. You do not need a prescription to use your FSA/HSA funds for these items.

It’s simple! Your Momcozy Order Confirmation Email serves as a valid itemized receipt for your claim. To ensure a smooth reimbursement, just follow these steps: 1. Check Your Inbox: Once your order is placed, you will receive an automated order confirmation email containing all required details: merchant name, purchase date, item description, and amount paid.2. Download the PDF: For your convenience, a direct link to download your official PDF invoice is included at the bottom of that same email.3. Submit Your Claim: Simply upload this PDF or a screenshot of your email to your FSA/HSA provider’s portal or mobile app for quick processing.

Most FSA plans follow a "use it or lose it" rule, meaning funds must be spent by December 31st each year. Some plans offer a grace period until March 15th. We highly recommend checking with your plan administrator so you don't lose your hard-earned savings! (HSA funds do not expire).

Per IRS regulations, refunds for items purchased with FSA/HSA funds must be issued back to the original payment method. We cannot issue refunds via cash, check, or to a different bank card.