Maximize Your FSA Funds on CPAP Supplies Before the December 31st Deadline

Maximize Your FSA Funds on CPAP Supplies Before the December 31st Deadline

As the year draws to a close, CPAP users with Flexible Spending Accounts (FSAs) must act quickly to spend their remaining funds on essential CPAP equipment and supplies. This guide explains how FSAs work, the differences from HSAs, and offers tips to use every FSA dollar on CPAP machines, masks, and accessories before they expire.

What Is a Flexible Spending Account (FSA)?

A Flexible Spending Account (FSA) is a special, employer-sponsored savings plan that allows you to set aside pre-tax money for qualified medical expenses HEALTHCARE.GOV. In practical terms, an FSA lets you use untaxed income to pay for out-of-pocket health costs like copays, prescriptions, and medical equipment. You don’t pay taxes on FSA contributions, which saves you an amount equal to the taxes you would have paid on that money HEALTHCARE.GOV. Employers may also contribute to your FSA (though they aren’t required to) HEALTHCARE.GOV. How an FSA works: You decide an annual contribution amount (up to an IRS-set limit) during your employer’s open enrollment. For 2024, FSA contributions are capped at $3,300 per year per employer HEALTHCARE.GOV (it was $3,050 for 2023). The funds are typically available upfront at the start of the plan year, and you incur eligible medical expenses then submit claims for reimbursement from your FSA (or use an FSA debit card). For example, you might swipe your FSA card or later file a claim with receipts to cover a CPAP machine purchase, and the FSA plan will reimburse you with your own pre-tax money HEALTHCARE.GOV. Use-It-or-Lose-It Rule: FSAs are generally “use it or lose it” plans tied to the calendar year. This means you must spend the FSA funds within the plan year, or you forfeit the unused money. In most cases, any balance left in your FSA after December 31st disappears HEALTHCARE.GOV. Some employers offer a slight buffer: they may allow either a grace period (up to 2½ months into the new year to spend remaining funds) or a carryover (roll over up to a set amount, like $610-$660, into the next year) HEALTHCARE.GOV HEALTHCARE.GOV. However, employers are not required to offer these extensions, and if they do, it’s one option or the other – never both HEALTHCARE.GOV. Bottom line: plan to use all your FSA dollars by December 31 (unless you know your specific plan provides a grace period or carryover). It’s wise to confirm your employer’s FSA policy so you don’t accidentally leave money on the table.

FSA vs. HSA: What’s the Difference?

It’s easy to confuse FSAs with HSAs (Health Savings Accounts), but they have key differences. Both let you pay medical expenses with pre-tax dollars, but an HSA is a personal savings account available only if you have a high-deductible health plan, whereas an FSA is an arrangement set up by your employer. Here are the main distinctions:

Ownership and Eligibility: An FSA is owned and managed by your employer (you lose it if you leave your job unless you spend it first), and you can enroll in one regardless of your health insurance deductible. An HSA is owned by you (the employee) and is only available if you have a qualified high-deductible health plan INVESTOPEDIA.COM. HSA funds stay with you even if you change jobs or insurance.

Use-It-or-Lose-It vs. Rollover: FSAs are generally a “use it or lose it” benefit — funds usually expire at the end of the year if not spent INVESTOPEDIA.COM. HSAs, on the other hand, roll over any unused funds automatically each year – there is no deadline forcing you to spend the money INVESTOPEDIA.COM. In fact, HSA balances can grow (even be invested) and be saved for future healthcare needs tax-free. FSAs are less flexible: you must aim to use the full annual contribution within the plan year (with only limited rollover or grace period possible, as noted above).

Contribution Limits: In 2024, the FSA contribution limit is around $3,300 (set by the IRS) HEALTHCARE.GOV, whereas HSA contribution limits are higher (for example, $4,150 for an individual in 2024, and $8,300 for family coverage, with an extra $1,000 catch-up allowed if age 55+). Both accounts offer tax-free contributions and withdrawals for eligible expenses, but HSAs allow you to change your contribution during the year and even keep saving long-term. With an FSA, your election is generally locked in for the year (unless a qualifying life event occurs).

Qualified Expenses: Eligible expenses are similar for FSAs and HSAs – both can cover a wide range of medical costs (doctor visits, prescriptions, and medical devices like CPAP machines) SLEEPAPNEA.ORG. One difference: FSAs can sometimes be offered as limited-purpose (covering only dental/vision) if you also have an HSA. But in a standard health FSA, you can reimburse the same kinds of expenses as an HSA. The main takeaway is how each account is structured and the timing to use the funds, not the types of items covered.

In summary, an HSA is more like a personal health savings bank account that grows over time, whereas an FSA is a temporary fund you must strategically spend down each year. If you have an FSA, prioritize using those funds before they expire, since you don’t have the luxury of rolling them over like an HSA. (If you happen to have both types through special circumstances, spend FSA dollars first on immediate needs and save HSA funds for future expenses.)

CPAP Equipment and FSA Eligibility: The Good News

The good news for sleep apnea patients is that CPAP therapy expenses are FSA-eligible. The IRS considers costs related to treating a diagnosed medical condition (like obstructive sleep apnea) as qualified medical expenses. Continuous Positive Airway Pressure (CPAP) machines and their supplies are considered necessary medical equipment, similar to how crutches would be for a broken foot USCPAP.COM. In fact, virtually all CPAP-related items – from the machine itself to masks, tubing, and even cleaning wipes – can be purchased with FSA funds. According to the American Sleep Apnea Association, “CPAP supplies are considered medical expenses and are thus eligible purchases with a flexible spending account or a health savings account.” SLEEPAPNEA.ORG This means you can confidently use your FSA money to invest in your sleep therapy needs. Prescription Requirements: Some CPAP items do require a doctor’s prescription to purchase (this is a legal/federal requirement, not specific to FSA). For instance, CPAP machines and CPAP masks are regulated devices that vendors can only dispense if you have a valid prescription on file. That prescription proves medical necessity, so your FSA will cover those items just as it would any doctor-prescribed equipment USCPAP.COM. Other CPAP accessories and replacement parts do not require a prescription to buy, but they are still FSA-eligible expenses. In short, your FSA can cover both the prescribed CPAP equipment and the over-the-counter supplies you use with it USCPAP.COM. Below we outline which CPAP items fall into each category.

FSA-Eligible CPAP Items Requiring a Prescription (Rx)

CPAP Machines (APAP/BiPAP devices): The core equipment for sleep apnea therapy – including standard bedside CPAP units, APAP (auto-adjusting CPAP), and BiPAP machines – all require a doctor’s prescription and are FSA-eligible. If you’ve been putting off upgrading your old CPAP, your FSA funds can help you get a new machine with advanced comfort features. (Tip: A new CPAP can improve your therapy comfort and reliability. Today’s top models, like the ResMed AirSense series, offer features such as auto-adjusting pressure, heated humidifiers, and smartphone connectivity.)

Travel CPAP Machines: These are smaller, portable CPAP devices designed for travel or as a convenient backup. A prescription is required to purchase a travel CPAP (it provides the same therapy as a standard unit, just in a compact form). Travel CPAPs are FSA-eligible and a smart buy if you’re a frequent traveler. Using FSA dollars to get a travel CPAP means you’ll never have to skip therapy on the road. For example, the ResMed AirMini travel CPAP weighs only about 0.66 lbs and is compact enough to fit in your hand – perfect for maintaining your sleep apnea treatment on business trips or vacations. SLEEPLAY.COM

CPAP Masks (Full Face, Nasal, Nasal Pillow Masks): A CPAP mask interfaces with your face to deliver pressurized air. Masks come in various types (covering your nose, mouth, or both) to suit different sleepers. CPAP masks require a prescription when purchased from a medical supplier, but they are FSA-eligible expenses just like the machine USCPAP.COM. If your mask is leaky, uncomfortable, or old, consider using FSA funds to try a new mask model. A well-fitting mask is crucial for effective therapy, and having a spare mask is always wise. (Masks should be replaced regularly – usually every 6-12 months or as needed – because the cushions wear out and hygiene becomes an issue SLEEPAPNEA.ORG.)

CPAP Humidifiers: Many CPAP machines include a built-in humidifier or have an attachable humidifier unit to add moisture to the air (preventing dryness in your nose and throat). If your machine doesn’t have one, you might need a doctor’s prescription to buy a standalone humidifier add-on. Humidifiers (and related parts like water chambers) are FSA-eligible as they are part of your CPAP therapy equipment USCPAP.COM. Using FSA funds to add a heated humidifier can greatly improve comfort for those experiencing dry mouth or nasal dryness from CPAP.

(Note: If you’re purchasing any of the above through an online CPAP retailer, you will need to provide a copy of your prescription. The FSA reimbursement itself typically just requires the receipt – and possibly proof of medical necessity. A prescription serves as that proof since these devices are only sold for a diagnosed condition.)

FSA-Eligible CPAP Supplies & Accessories (No Prescription Needed)

You can also use FSA funds to stock up on CPAP supplies and comfort accessories that don’t require a doctor’s prescription. These items are essential for maintaining your equipment and improving your therapy, and buying them before your FSA deadline is a smart way to use leftover funds. Eligible CPAP supplies and accessories include:

CPAP Hoses and Tubing: The air hose that connects your CPAP machine to your mask can be purchased without a prescription, and it’s fully FSA-eligible USCPAP.COM. Hoses can develop small tears or accumulate build-up over time, so it’s wise to have an extra. (Standard hoses are usually replaced every 3–6 months for hygiene and performance.)

Air Filters: CPAP machines use filters to remove dust and allergens from the air you breathe. CPAP filters (whether disposable or reusable) are inexpensive and usually need regular replacing (often monthly or as directed by the manufacturer) SLEEPAPNEA.ORG. They are FSA-eligible and do not need a prescription. Using FSA money to buy a pack of replacement filters for the year will help keep your therapy air clean and your machine running efficiently.

Water Chambers for Humidifiers: If your CPAP has a humidifier, the water reservoir will need occasional replacement due to mineral deposits or wear. Replacement water chambers are available without prescription and are FSA-eligible USCPAP.COM. It’s a good idea to have a spare chamber, especially if you use distilled water nightly – they can discolor or crack over time.

Replacement Mask Cushions & Headgear: You don’t need a new full mask to refresh your seal – often, just replacing the mask cushion (the soft part that touches your face) will restore fit and comfort. Cushions and other mask parts like headgear straps and frame elbows are sold as replacement parts without prescription, and all are FSA-eligible supplies USCPAP.COM. Most mask cushions are recommended to be replaced every month or two (they get worn and less hygienic with nightly use SLEEPAPNEA.ORG). Headgear straps can lose elasticity over a few months. Use FSA funds to grab a few cushion replacements and a backup headgear, so you always have a good seal.

CPAP Cleaning Supplies: Keeping CPAP equipment clean is vital for your health and the lifespan of the device. Cleaning supplies such as CPAP mask wipes, cleaning brushes for tubing, gentle cleansers, and sanitizing solutions are all FSA-eligible. These items do not require a prescription. Regular cleaning prevents bacteria and mold growth in your mask and hose SLEEPAPNEA.ORG. With FSA money, you could purchase several canisters of CPAP wipes or a specialty CPAP tube cleaning kit to make daily cleaning easier.

CPAP Sanitizer Devices: In addition to basic cleaning supplies, automated CPAP cleaning machines (like the popular ozone or UV light sanitizers) are also eligible for purchase with FSA funds. Devices such as the SoClean CPAP sanitizer fall under FSA-approved medical devices (they’re used to disinfect your CPAP equipment). If you’ve been eyeing a CPAP cleaning machine to simplify the sanitizing process, using tax-free FSA dollars is a cost-effective way to get one. (Manufacturers like SoClean explicitly note that their CPAP sanitizers are FSA/HSA-eligible products SOCLEAN.COM.)

Comfort Accessories: A variety of accessories can make CPAP therapy more comfortable – and yes, you can use your FSA for these too. Examples: CPAP pillows (special pillows with cut-outs that accommodate your mask, allowing side-sleepers to sleep comfortably without knocking their mask askew) SLEEPAPNEA.ORG, mask liners (soft fabric liners that cushion your face and reduce skin irritation or red marks), chin straps (to help keep your mouth closed if you use a nasal mask and mouth-breathe) SLEEPAPNEA.ORG, and hose covers (soft covers that insulate the CPAP tubing to reduce “rainout” condensation). None of these require a prescription, and all can be paid for with FSA funds as they support your medical therapy. If comfort issues have been a barrier to fully using your CPAP, investing in an accessory like a CPAP pillow or heated hose using FSA money can significantly improve your experience.

CPAP Batteries and Power Backup: Do you worry about power outages interrupting your therapy, or do you enjoy camping/off-grid travel? A CPAP battery backup or portable power pack is a great item to buy with FSA dollars. These batteries are designed to power your CPAP machine for nights when mains electricity isn’t available. They are considered an accessory for a medical device, which makes them FSA-eligible (the IRS allows batteries for medical devices to be reimbursed by FSA/HSA) FSASTORE.COM. No prescription is needed for a CPAP battery. Because these battery kits can be expensive, using pre-tax FSA funds to purchase one can save you a lot. (Tip: Check the compatibility of the battery with your CPAP model. Popular options like the Medistrom Pilot-24 or Pilot-12 Lite can provide a night or two of power and are often used as both a travel battery and a backup for emergencies.)

As you can see, almost every product related to CPAP therapy can be purchased with FSA funds – from the machine and mask to the smallest accessory. It’s all about ensuring you have what you need for your health. Next, we’ll discuss how to strategically spend your FSA dollars on CPAP gear before the deadline.

Use-It-or-Lose-It: Don’t Let Your FSA Funds Expire

If you have a remaining balance in your FSA as the end of the year approaches, now is the time to act. FSA funds expire on December 31 of your plan year in most cases HEALTHCARE.GOV, so any money left unused will be forfeited. To avoid losing your hard-earned savings, make a plan to spend down the FSA on needed medical supplies. For CPAP users, this is an excellent opportunity to reinvest those dollars into your sleep health: you can upgrade aging equipment, buy backup items, or stock up on consumables that you’ll use in the coming months. Check Your Plan’s Rules: First, double-check your employer’s FSA policy for any grace period or carryover provision. As noted earlier, some plans might give you an extra 2½ months (typically until March 15) to use last year’s funds, or allow a carryover of a limited amount (e.g., $500-$660) into the next year HEALTHCARE.GOV. However, many plans simply cut off on Dec 31. If you’re not sure, contact your HR department or FSA plan administrator. Never assume you have a grace period or rollover – always verify. Even if you do have one, it’s best to spend what you can now; carryovers are capped and grace periods end quickly, so procrastinating could still lead to forfeiting money. Plan Your Year-End Purchases: Once you know your deadline (and how much FSA money you have left), list out your CPAP-related needs and nice-to-haves. Think about supplies you will inevitably use (like filters, mask parts, etc.), any upgrades you’ve been considering, or additional equipment that could enhance your therapy (such as a travel CPAP or backup battery). Prioritize items that will improve your health and nightly comfort. Remember, FSA funds can only be used on eligible medical expenses – you can’t spend them on just anything – so focusing on CPAP gear is a productive way to use every dollar for its intended purpose. Finally, don’t wait until the very last minute. It’s wise to make your purchases a week or two before December 31 to account for any processing or shipping time (especially if ordering online) or to ensure you have the receipts for reimbursement. Many FSA plans have claim submission deadlines too (sometimes a few months into the next year), but the expense generally must be incurred by end of plan year. By acting in early December (or by mid-March if you have a grace period), you can avoid the year-end rush and potential supply shortages. In short: use it, don’t lose it! Make those purchases now so you can head into the new year knowing you maximized your benefits and boosted your CPAP therapy.

Smart Ways to Spend FSA Dollars on CPAP Supplies

Not sure where to start? Here are some savvy ways to use your remaining FSA funds on CPAP equipment and supplies. These suggestions will not only prevent your FSA money from expiring, but also ensure you’re well-prepared and equipped for effective sleep apnea treatment:

Upgrade Your CPAP Machine or Get a Backup Unit: If your CPAP machine is older, out-of-warranty, or lacking modern features, consider using FSA money to upgrade to a newer model. New CPAP machines often have improvements like quieter operation, automatic pressure adjustment, data tracking, and enhanced humidity control. An upgrade can make therapy more comfortable and effective. Alternatively, if your primary CPAP is fairly new, you might buy a second machine as a backup. This could be a less expensive model or even a gently used one (if your provider offers certified pre-owned) for use as a spare. A backup CPAP ensures you’re never left without treatment if your main device needs repairs. It’s also handy to keep one CPAP at the vacation house, for example. Using FSA funds to secure your therapy with a backup is a great investment in continuity of care USCPAP.COM USCPAP.COM. Tip: Many people keep their older CPAP when they get a new one – if you’re in that situation, you could designate the older unit as the “backup” and get a state-of-the-art new machine as your primary.

Invest in a Travel CPAP for Portable Therapy: For those who travel frequently or go camping, a travel CPAP machine can be a game-changer. These devices deliver the same therapy but are far smaller and lighter than home units (often weighing under a pound). With your FSA funds, you can purchase a travel CPAP like the ResMed AirMini or Transcend Micro without feeling the hit to your regular budget. Traveling with a mini-CPAP means you’ll stay compliant with therapy on flights, vacations, and road trips. Plus, it saves you the hassle (and risk) of lugging your main CPAP through airports. A compact travel CPAP can easily fit in your carry-on – no more choosing between packing your CPAP or that extra pair of shoes! USCPAP.COM Using tax-free dollars makes this purchase easier to justify. You’ll enjoy freedom to roam while sticking to your treatment.

Replace Your CPAP Mask (or Try a New One): A comfortable, well-sealing mask is crucial for successful CPAP therapy. Masks don’t last forever – the cushions wear out, and your face shape or comfort preferences might change over time. Year-end is an ideal time to get a new mask with your FSA. Even if you’re happy with your current mask model, having a fresh one (or a duplicate) as a spare is wise. And if you’ve been struggling with leaks or discomfort, use this chance to try a different style. For example, you might switch from a full-face mask to a nasal pillow mask or vice versa. Many CPAP suppliers (including USA Medical Supply) carry all the top masks from ResMed, Philips Respironics, Fisher & Paykel, etc. – so you have options to find the perfect fit. Your FSA can cover the full cost of the mask and headgear, as it’s a medical device. Just remember you’ll need a prescription on file to order a mask, but the expense is eligible for reimbursement USCPAP.COM. Waking up without red marks or skin irritation is worth it!

Stock Up on Replacement Supplies: Little things add up – and they’re exactly what leftover FSA funds are great for. Stock up on the replacement supplies you know you’ll use over the next 3, 6, or 12 months. This includes: filters (buy a year’s supply of disposable filters so you can change them monthly without worry), tubing (grab an extra hose or two; you should replace the hose a couple of times a year or immediately if it gets a tear or mold), mask cushions (these often need replacing every month or two as oils from your skin break down the material SLEEPAPNEA.ORG), mask headgear straps (to swap out when elasticity fades), and humidifier water tubs (in case yours starts to leak or gets yucky buildup). By stocking up now, you not only avoid wasting FSA money, but you’ll also have the supplies on hand to maintain your therapy effectively. You’ll thank yourself at 2 AM when a mask cushion tears and you have a spare ready to go! All these items are FSA-eligible and don’t require a prescription, making them easy to purchase in one go.

Add Comfort Accessories to Your CPAP Setup: Do you ever feel like CPAP is a bit uncomfortable? There are many accessories designed to improve comfort and help you stick with therapy – and you can use FSA dollars to buy them. A popular one is a CPAP pillow, which has special cut-outs to accommodate your mask so you can sleep on your side without dislodging it. If you’re a side-sleeper who’s been struggling with mask leaks, this could be a game-changer. Another idea is a heated CPAP hose (if compatible with your machine). Heated hoses keep the air warm all the way to your mask, preventing condensation (“rainout”) and helping with comfort in cold bedrooms. Mask liners are great if you get skin irritation; these disposable or washable fabric liners create a soft barrier between the mask cushion and your face SLEEPAPNEA.ORG SLEEPAPNEA.ORG. They can also absorb moisture and reduce leaks. A chin strap can be helpful if you use a nasal mask but sometimes breathe through your mouth – it gently keeps your jaw closed to ensure therapy air isn’t escaping SLEEPAPNEA.ORG. Even smaller things like padded strap covers (to prevent red marks on cheeks) or a CPAP hose lift (to suspend the hose above you and reduce tangling) can make a big difference in comfort. Since these accessories are relatively low-cost, they’re perfect for using up the last couple hundred dollars in your FSA. And each one you add could improve your nightly experience and therapy adherence.

Buy a CPAP Battery or Backup Power Supply: If you’ve ever worried “What happens to my CPAP during a power outage?”, a backup power solution is the answer – and your FSA can pay for it. CPAP battery packs provide hours of power to run your machine when electricity is unavailable. This is especially useful if you live in an area with frequent outages, or if you enjoy camping/RV travel. High-quality lithium-ion CPAP batteries (many are FAA-approved for air travel) can be a bit pricey, which makes them ideal for an FSA purchase (since it’s pre-tax money, effectively giving you a discount). These batteries are considered eligible medical device accessories FSASTORE.COM. You can also consider a DC adapter for your machine (to run it from a car or RV outlet) or a solar charger if you’re very outdoorsy – also likely FSA-eligible when used for medical equipment. Having a backup battery gives you peace of mind that your therapy won’t be interrupted by unexpected events. It’s an investment in both your health and emergency preparedness.

Consider a CPAP Cleaning Device: Tired of hand-washing your mask and hose every day? Automated CPAP cleaners, like the SoClean or Lumin devices, use ozone or UV light to sanitize your CPAP equipment. While manual cleaning with soap and water is still recommended regularly (and inexpensive), these machines can save time and ensure a deeper sanitization. If you’ve been curious about them, using FSA funds is a great way to purchase one without dipping into your regular cash flow. They are FSA-eligible as a medical device accessory. Keep in mind, there has been some debate about ozone-based cleaners and equipment warranty, so do a bit of research or check your CPAP manufacturer’s stance. But many users find these devices very helpful for daily disinfection – and with an FSA, you’re using pre-tax dollars to get it. Along with or instead of a machine, you might also pick up extra cleaning supplies like those citrus-scented CPAP mask wipes (handy for quick cleaning when traveling or between deep cleans). Good hygiene will help prevent illness and keep your CPAP running smoothly SLEEPAPNEA.ORG.

Every CPAP user’s needs will be different, but the above list covers many of the popular ways to spend FSA funds on enhancing your sleep therapy. Even if you feel you have “everything you need,” remember consumables will need replacing throughout the year – so why not buy them now with remaining FSA money rather than later with taxed income?

Check Your Employer’s FSA Policies (Carryovers, Deadlines, etc.)

Before you finalize your year-end FSA spending, it’s worth reiterating the importance of knowing your specific FSA plan rules. While general IRS rules govern FSAs, employers have some choices in how they administer the plan, especially regarding what happens to unused funds:

Year-End Deadline: Confirm if your FSA plan year truly ends on December 31 or if it’s a different date (most align with the calendar year, but a few could end with your employer’s fiscal year). The majority of FSAs do require expenses to be incurred by December 31 of that plan year.

Grace Period (if offered): Does your plan give you a grace period into the next year? A grace period allows you to spend remaining last-year funds on new expenses for up to 2½ months into the new year (often until March 15) HEALTHCARE.GOV. During a grace period, you could still use your previous year’s FSA money for qualifying purchases in January, February, and early March of the following year. However, if you don’t use it by the end of the grace period, you lose it. So a grace period is just a short extension, not an excuse to be complacent.

Carryover (if offered): Alternatively, some plans allow a carryover of a fixed amount to the next plan year. The IRS has raised this limit over time – it was $500 for many years, then $550, and for 2023 many plans allowed up to $610 to carry over; in 2024 the allowed carryover increased to $660 HEALTHCARE.GOV. Check what your employer’s cap is and note that any amount above that cap will be forfeited. For example, if you have $800 left and your plan permits $610 carryover, you’d lose $190 if you don’t spend it down. Also, the carryover funds will usually be available for the entire next year, but they might affect how much you can elect for that year (depending on plan specifics).

Run-Out Period for Claims: Aside from spending the money, find out the deadline to submit reimbursement claims. Some FSAs give you a couple of months after the plan year to file claims for expenses that occurred before the deadline. For instance, you might have until March 31 to submit receipts for purchases made by Dec 31. Make sure you keep your receipts and follow the claim submission procedures in time. If you’re using an FSA debit card for purchases, this is less of an issue (as the expense is auto-documented), but if you pay out of pocket, you’ll need to file a claim with documentation.

Understanding these rules will help you decide how urgently you need to purchase by Dec 31 and how much to spend. When in doubt, it’s safest to assume that unspent FSA funds will be lost after Dec 31 – this way you’ll be motivated to make the most of them. Many people each year leave FSA money unspent, essentially giving up their own earnings. Don’t let that happen to you. Even if your plan offers a rollover, remember that rolling over money might not be optimal – you could be better off lowering your FSA contribution for the next year and using the money now for immediate needs. Lastly, if you find you have more FSA funds than you reasonably need for CPAP supplies, consider other eligible expenses you might have been putting off: new prescription glasses or contact lenses, a dental procedure, other medical devices, first-aid kits, OTC medications (like pain relievers or allergy meds, which as of recent law are FSA-eligible without a prescription), etc. It’s better to purchase useful health items than to forfeit the money. But if you are a CPAP user, CPAP gear is a perfect choice because you know you’ll use it nightly for your health. You can’t go wrong investing in better sleep and breathing.

Why Shop with USA Medical Supply for CPAP Equipment?

If you’ve decided to spend your FSA dollars on CPAP supplies, the next step is finding a reliable supplier. USA Medical Supply (USCPAP.com) is here to help make your year-end shopping easy and beneficial. As a leading provider of CPAP machines, masks, and accessories (as well as other medical supplies) since 2014, we offer several advantages:

Wide Selection of Top CPAP Brands: USA Medical Supply carries all the top CPAP brands and models on the market. Whether you’re looking for the latest ResMed AirSense 11 Auto CPAP, the travel-friendly ResMed AirMini, the popular Philips Respironics DreamWear masks, or high-quality Fisher & Paykel masks and humidifiers – you’ll find them in our catalog. We stock authentic, FDA-approved equipment so you can be confident in the quality and warranty coverage of your purchase. Our selection of comfort accessories and replacement parts is extensive, making us a one-stop shop for all your CPAP needs.

FSA/HSA Purchase Friendly: We understand the ins and outs of using FSAs for medical purchases. You can use your FSA debit card on our website just as you would any credit card, and eligible items are properly coded for FSA approval. If your FSA requires documentation, we provide detailed receipts/invoices that itemize your purchases for easy reimbursement. Our customer service team can assist if you need help verifying eligibility of a product – but as outlined above, essentially all CPAP products we sell are FSA-eligible. We make it simple for you to utilize those tax-free funds.

Competitive Pricing and Promotions: Because you’re spending FSA money, you still want to get good value (after all, it’s your money). USA Medical Supply offers competitive pricing on CPAP machines and supplies, and we frequently run promotions or bundle deals. For example, you might find discount packages for mask + cushion replacements, or seasonal sales on travel machines or batteries. Stretch your FSA dollars further by shopping smart with our deals. Plus, free shipping is available on many orders (such as those over a certain amount), so you can avoid extra costs as you stock up.

Expert Support and Guidance: Our team isn’t just about selling products – we want to ensure you get the right items that genuinely help your therapy. If you’re unsure which mask size to get, or whether a certain travel CPAP will work for you, or what battery fits your machine, you can reach out to us. We have knowledgeable staff familiar with CPAP equipment who can guide you to compatible and suitable options. This kind of support is especially valuable when making a significant purchase like a new CPAP machine. We’ll help you navigate features and even work with your doctor’s prescription requirements. At USA Medical Supply, you’re not alone in your shopping experience – we’re a partner in your sleep health journey.

Convenience and Reliability: Shopping with USA Medical Supply means you can trust that your order will be handled smoothly. We have a brick-and-mortar presence in West Springfield, MA, alongside our online store, which speaks to our established reputation (we’ve been rated #1 in our region for medical and mobility supplies). When you place your CPAP order, we work quickly to verify any needed prescriptions and get your items shipped promptly. Our goal is to help you beat that FSA deadline with time to spare! And should anything not meet your expectations, our customer service is here to make it right.

In short, USA Medical Supply is prepared to meet all your CPAP needs and ensure you make the most of your FSA funds. We’re honored to be part of your health care team by providing quality products that lead to better sleep and better life. As December 31st approaches, we invite you to browse our CPAP catalog – you’ll find great options for every budget and need.

Frequently Asked Questions (FAQs)

Q: Are CPAP machines and supplies FSA-eligible? A: Yes. CPAP machines, masks, and related supplies are all considered qualified medical expenses under IRS guidelines, so they are FSA-eligible purchases SLEEPAPNEA.ORG. If you have a medical need for a CPAP (i.e. a diagnosis of sleep apnea with a doctor’s prescription for the device), your FSA will cover the cost just like it would for other medical equipment. This includes the CPAP device itself and the ongoing supplies (mask, tubing, filters, etc.) you use with it. Essentially, anything that is used to treat your diagnosed condition (sleep apnea) can be bought with FSA funds.

Q: What CPAP accessories can I buy with FSA dollars without a prescription? A: Many CPAP accessories and replacement parts do not require a prescription, and you can use FSA funds for all of them. Common non-prescription CPAP items include: air filters, tubing/hoses, water chamber tubs for humidifiers, mask replacement parts like cushions, headgear straps or mask frame pieces, CPAP cleaning supplies (wipes, cleaning devices), CPAP pillows, mask liners, chin straps, and battery backups. Even comfort items and cleaning machines are eligible since they support your CPAP therapy USCPAP.COM. Basically, everything except the CPAP machine and the complete mask package can be purchased without a prescription, and all of those items are FSA-eligible. It’s a great idea to use FSA money to stock up on these supplies that you’ll use regularly.

Q: Do I need a prescription to purchase CPAP equipment with my FSA money? A: You’ll need a doctor’s prescription to buy certain CPAP equipment (namely the CPAP machine itself and masks) because U.S. regulations require it for those items – but this is the same whether you use an FSA or not. The FSA plan doesn’t require the prescription paperwork for reimbursement in most cases (the receipt from a medical supplier suffices), but the supplier will require a prescription to sell you the machine or mask. So practically speaking, yes, you must have a valid prescription on file to acquire a CPAP machine, a mask system, or a humidifier unit. For supplies like filters or chin straps, no prescription is needed to buy them. When filing an FSA claim, usually an itemized receipt is enough, but occasionally the FSA administrator might ask for evidence that it’s a medical necessity – your CPAP prescription or a doctor’s note would cover that. If you’re already using CPAP, you likely have a prescription (even if it’s from years ago, it remains valid for purchasing supplies). Bottom line: prescription-required CPAP items can be bought with FSA funds, but you must follow the normal purchase process of providing a prescription to the vendor USCPAP.COM.

Q: When do my FSA funds expire, and what happens if I don’t use them in time? A: In general, health FSA funds expire at the end of your plan year – for most people this is December 31st of the current year. If you don’t use them (i.e. incur eligible expenses) by that date, you lose any leftover money in the account HEALTHCARE.GOV. There are two exceptions some employers offer: a grace period (typically extending until March 15th of the next year to use the previous year’s funds) or a carryover (allowing you to roll over a limited amount, like $500-$660, into the next year’s FSA) HEALTHCARE.GOV. Your employer’s plan will have either one of these options or none at all. You should check your specific plan details. If a grace period is available, you effectively have a couple more months to spend the money, but after the grace period any remaining funds are forfeited. If a carryover is available, anything above the allowed carryover cap is forfeited, and the capped amount moves into the next year for you. In all cases, FSA funds will not turn into cash for you or roll into other accounts – you must use them for eligible expenses or they disappear. That’s why it’s important to plan carefully and spend down the FSA on time. If you miss the deadline, unfortunately those funds are lost. So keep track of the date (most often December 31) and make sure to use your FSA money on medical needs before then.

Q: How do I actually use my FSA to pay for CPAP supplies? A: Most FSA plans provide you with an FSA debit card connected to your account balance. The simplest way is to use that card when purchasing your CPAP supplies – just swipe it or input the card number online as you would any credit card. The purchase will draw from your FSA funds (make sure you only buy eligible items; mixed carts with ineligible items might be denied). The vendor may ask for another form of payment if something isn’t FSA-eligible. If you don’t have an FSA card, or prefer to pay yourself, you can pay out-of-pocket (using your own credit card or cash) and then submit a claim for reimbursement to your FSA administrator. To do that, you’ll need an itemized receipt showing what you bought, the date, and amount. Many FSA portals allow you to upload receipts and fill out a quick form online. After review, the FSA plan will reimburse you via check or direct deposit. One thing to remember is to keep documentation: save your receipts and any prescriptions or doctor’s notes (in case the FSA administrator asks for substantiation). Also, when shopping, you can usually identify FSA-eligible products (some websites label them). All CPAP medical equipment and supplies should qualify, so it’s straightforward. At USA Medical Supply, for instance, you can directly use your FSA card at checkout for any CPAP items. If your FSA has a year-end deadline, be sure the purchase date is by that deadline (shipping date can be later, but you need to have made the transaction within the plan year).

Q: Is a CPAP cleaner (e.g., SoClean) or sanitizer device FSA-eligible? A: Yes. CPAP cleaning and sanitizing devices such as the SoClean, Lumin, or VirtuClean are considered medical equipment for maintaining your CPAP therapy, and they are FSA-eligible. The IRS allows expenses for cleaning supplies and equipment for medical devices as part of the cost of the device’s upkeep. In fact, many retailers explicitly mark CPAP sanitizers as FSA/HSA eligible, and SoClean’s own website confirms that their products can be purchased with FSA funds SOCLEAN.COM. So, if you want an automated CPAP cleaner, you can confidently use your FSA money for it. Just be sure to purchase from a legitimate vendor and keep the receipt. Do note that while these machines make cleaning convenient, they don’t replace the need for occasional manual cleaning per your CPAP manufacturer’s guidelines. But from an FSA standpoint, there’s no issue – it’s an eligible expense. You can also use FSA funds for simpler cleaning items like CPAP mask wipes, tubing brushes, and cleaning solutions, which are all definitely eligible (and usually much cheaper if you’re just trying to use up a small remaining balance).

By following the tips in this guide, you can ensure that not a single FSA dollar goes to waste while simultaneously boosting your CPAP therapy arsenal. There’s no better way to use your remaining funds than to invest in better sleep, health, and comfort. Remember, FSAs are a fantastic benefit – they let you save on taxes and take care of health expenses – but only if you use them in time. So take stock of your CPAP needs, shop for those eligible items before the deadline, and enter the new year fully supplied for success in your sleep apnea treatment. Sweet dreams and happy shopping!