Health Savings Account (HSA) and Flexible Spending Account (FSA) funds can help make eligible healthcare treatments more affordable by allowing you to use tax-advantaged dollars for qualified medical expenses. Elitone is HSA/FSA eligible, which means you may be able to use funds you have already set aside for healthcare to pay for treatment.
Updated: August 16, 2026
Author: Elidah Medical Staff
Yes. Elitone is HSA/FSA eligible, which means you may be able to use funds from a Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for your device and other eligible treatment expenses.
For many people, this can make the cost of incontinence treatment easier to manage. HSA and FSA funds are generally set aside before taxes, so using them for qualified healthcare expenses can reduce the effective cost compared with paying entirely with ordinary after-tax income.
If you are still comparing treatment costs, it may also help to look at what you are already spending to manage bladder leaks. Our article on the real cost of urinary incontinence compares recurring expenses such as pads and laundry with the cost of treatment.
Both HSAs and FSAs can be used for many qualified medical expenses, but they work differently.
A Health Savings Account is available to people enrolled in a qualifying high-deductible health plan. Money contributed to an HSA can be used for eligible healthcare expenses, and unused funds generally remain in the account from year to year. The account also stays with you if you change jobs or health plans.
Because HSA funds can accumulate over time, some people use them for larger healthcare purchases, including eligible medical devices and treatments.
A Flexible Spending Account is typically offered through an employer. You elect an amount to contribute for the plan year, and those funds can then be used for eligible healthcare expenses.
Unlike an HSA, FSA funds are generally subject to a “use it or lose it” rule, although some employers allow a limited rollover or grace period. Because plan rules vary, it is worth checking your employer’s specific FSA terms if you have funds remaining near the end of the plan year.
For Elitone customers, the practical difference is usually less important than the key point: both HSA and FSA funds may be used for eligible Elitone purchases.
In many cases, using HSA or FSA funds for Elitone is straightforward. If your account provides a payment card, you may be able to use it directly when purchasing Elitone.
If your HSA or FSA card is not accepted at checkout, you may still be able to pay with another method and submit the purchase to your plan administrator for reimbursement. Keep your receipt and any documentation requested by your plan.
Because HSA and FSA administrators can apply their own documentation requirements, contact your plan administrator if you are unsure whether additional information is needed for reimbursement.
Elitone is an FDA-cleared medical device used to treat urinary incontinence, and the device is HSA/FSA eligible. Replacement GelPads used with the device may also qualify as eligible medical expenses.
This can be especially useful because incontinence treatment may involve both an initial device purchase and ongoing treatment supplies. Using HSA or FSA funds can help you pay for those healthcare expenses with money already designated for medical care.
If you are comparing Elitone with other approaches, our guide to electrical stimulation for incontinence explains how external stimulation works, while our article on pelvic floor physical therapy covers another common conservative treatment option.
Cost is one of the biggest reasons people delay incontinence treatment. Using HSA or FSA funds can help because you are paying with money specifically set aside for qualified healthcare expenses rather than treating the purchase like an ordinary household expense.
That can be especially helpful for a treatment such as Elitone, where the upfront cost may feel significant compared with buying one package of pads at a time. But pads, liners, protective underwear, laundry, and other leak-management expenses continue to recur. Our article on the cost of urinary incontinence looks at how those expenses can add up and how to think about the cost of managing leaks versus treating them.
Using HSA or FSA funds does not change the retail price of a treatment, but the tax advantages associated with these accounts can reduce the effective cost to you. The amount of savings depends on your individual tax situation.
Often, yes. Health FSA funds are generally subject to a “use it or lose it” rule, which makes it important to understand your plan’s deadline. Some employers allow unused funds to carry over into the following plan year, while others provide a grace period for incurring eligible expenses. Plans are not required to offer either option, so check your specific benefits before assuming unused funds will remain available.
If you have FSA funds remaining near the end of your plan year and have been considering treatment for bladder leaks, an eligible medical purchase may be a more useful way to use those healthcare dollars than allowing them to expire.
HSA funds work differently. Unused HSA funds generally remain in your account from year to year, so there is typically no year-end deadline to spend the balance. This can make an HSA particularly useful for planning larger eligible healthcare expenses.
HSA and FSA funds are only two ways to manage the cost of Elitone. Depending on your situation, other options may include insurance coverage, Original Medicare coverage for qualifying patients, or monthly payment options.
If you have Original Medicare, visit our Medicare information page to learn about eligibility and the steps required to obtain Elitone through Medicare. If you have private insurance or another type of health coverage, our insurance and reimbursement information explains how to explore your benefits.
You can also find answers about pricing, financing, insurance, and purchasing in the Elitone FAQs.
Yes. Elitone is HSA eligible. If your Health Savings Account includes a payment card, you may be able to use it directly when purchasing Elitone. You can also keep your receipt in case your HSA administrator requests documentation.
Yes. Elitone is FSA eligible. Depending on your plan, you may be able to pay directly with an FSA card or submit your purchase for reimbursement.
Replacement GelPads used as part of Elitone treatment may also qualify as eligible medical expenses. Because individual plan administrators can have their own documentation procedures, keep your receipt and check with your administrator if you have questions about reimbursement.
Elitone is available over the counter and does not require a prescription for purchase. HSA and FSA administrators may have their own documentation requirements, so contact your plan administrator if additional documentation is requested.
Generally, the full amount you elect for a health FSA for the plan year is available for eligible medical expenses during the coverage period, even before you have contributed that full amount through payroll deductions. Your specific plan documents can confirm how your FSA operates.
Unused HSA funds generally remain in your account and can continue to be used for qualified medical expenses in future years. Unlike most FSAs, an HSA is not generally subject to an annual “use it or lose it” rule.
Unused FSA funds may be forfeited at the end of the plan year, but some employer plans offer either a limited carryover or a grace period. Check your plan before the deadline because the rules are determined by your employer’s FSA plan.
Receive educational resources, exclusive offers, and new product information.
