FSA & HSA-Eligible Items for Menopause and Perimenopause Relief
Your Ultimate Guide to FSA Menopause Eligibility & Savings
Smart ways to save on midlife must-haves with tax-free dollars.
This quick-reference guide was created with you in mind. Managing menopause and perimenopause comes with enough surprises—paying for hot flashes, night sweats, vaginal dryness, mood swings, and joint pain shouldn't be one of them. Whether you're exploring hormone replacement therapy (HRT) with medications like Veozah, Jevantique, Vivelle Dot, or Premarin, seeking relief with cooling devices and pajamas, or trying natural approaches like black cohosh and red clover, many products are Flexible Spending Account (FSA) and Health Spending Account (HSA) eligible.
This comprehensive list covers everything from prescription estradiol and progesterone to vaginal moisturizers like Replens, UTI relief from AZO, bone density support, and even mental health counseling. Use your FSA or HSA to save on the products and treatments you use to help you feel your best during this transition.
Explore the categories below to find tax-free solutions for everything from hot flash relief and hormonal support to sleep aids and alternative therapies.
Last Updated: October 2025
FSA Eligible Products by Category
Hormonal Health & HRT
Prescription hormone replacement therapy and testing for managing estrogen, progesterone, and testosterone levels.
- Prescription HRT medications: Estradiol patches (Vivelle Dot, Climara), pills (Femhrt, Activella, Mimvey, Jinteli), creams, gels (Evamist, Elestrin), vaginal rings (Estring, Femring)
- Progestin therapy: Progesterone (Prometrium), combination products (Vogelxo)
- Non-hormonal prescriptions: Veozah (fezolinetant), Jevantique, gabapentin, paroxetine
- Bioidentical hormone therapy (compounded or FDA-approved)*
- At-home hormone test kits: FSH, estrogen, progesterone panels
- Menopause test kits: FSH test strips to confirm menopause status
Vaginal & Urinary Health
Products for vaginal dryness, atrophy, pH balance, and urinary tract health.
- Vaginal moisturizers & lubricants: Replens, Hyalo Gyn, Revaree, K-Y, and others
- Prescription vaginal estrogen: Vagifem, Yuvafem, Premarin cream, Imvexxy
- Vaginal pH test kits
- Yeast infection treatments: Monistat, Diflucan (prescription)
- UTI pain relief: AZO, Cystex, and prescription antibiotics
- Vaginal dilators (for atrophy & pain)*
- Kegel exercisers and pelvic floor therapy devices*
- Incontinence pads, liners & underwear
- Laser treatment: MonaLisa Touch, ThermiVa (for vaginal rejuvenation)*
Mental Health & Emotional Wellbeing
Support for anxiety, depression, mood swings, and sleep disturbances common during menopause.
- Therapy & mental health counseling: In-person or telehealth sessions
- Cognitive behavioral therapy (CBT) for hot flashes and mood
- Psychiatric care and medication management
- Prescription antidepressants & anxiety medications: SSRIs (paroxetine, sertraline), SNRIs (venlafaxine, Khedezla)
- Sleep aids: Melatonin, prescription sleep medications, Ambien
- Light therapy lamps for seasonal affective disorder*
- Listening therapy: Safe and Sound Protocol (SSP)*
Sleep & Temperature Regulation
Cooling products and devices to manage night sweats and hot flashes. You can find many of these top-rated products in our symptom relief guide.
- Cooling sheets, mattress pads & cooling pajamas: Temperature-regulating bedding*
- Personal fans & wearable cooling devices: Embr Wave, handheld fans*
- Hot flash relief devices: Cooling neck wraps, instant cold packs
- Blue light blocking glasses*
- CPAP devices & accessories (for sleep apnea)
- Cold therapy: Cold packs, gel pads, topical cooling creams*
- Nasal strips for better breathing during sleep
- Phototherapy / Light therapy boxes*
- Cryotherapy devices for inflammation and cooling*
Bone, Joint & Muscle Health
Essential support for bone density and joint pain as estrogen declines. Learn more about bone health in menopause.
- Calcium & Vitamin D supplements
- Bone density scans (DEXA) and monitoring
- Heating pads & cold therapy packs
- TENS units for pain relief
- Physical therapy sessions
- Mobility aids: Braces, orthotics, canes, walkers
- Glucosamine & Chondroitin supplements
- Collagen supplements for joints & skin
- Massage guns/devices*
- Orthotics & orthopedic inserts
- Orthopedic shoes* (cost difference between RX shoe and regular shoe)
- Compression socks & stockings: 10-20 mmHg*, 20-30 mmHg & 30-40 mmHg
Skin, Hair & Nail Care
Treatments for thinning hair, dry skin, acne, and other skin changes during menopause. You can find many of these top-rated products in our symptom relief guide.
- Prescription creams: For eczema, rosacea, psoriasis, skin thinning
- Acne medications: Retinoids, benzoyl peroxide (prescription & OTC)
- Hair loss treatments: Minoxidil (Rogaine), Propecia, prescription finasteride*
- Hair growth supplements (biotin, collagen)*
- Wigs & hair pieces for medical hair loss*
- Eczema, rosacea & psoriasis treatments
- Corn and callus removers
- Humidifiers, vaporizers & filters*
- Nasal sprays for dryness
- Sunscreen with SPF 15+ and "broad spectrum"
- Sunburn creams & ointments
- Red light therapy devices for skin health and collagen*
Menstrual & Post-Menstrual Care
Products for perimenopause when periods are still irregular and heavy.
- Menstrual pads, tampons & liners
- Menstrual cups (Diva Cup, Saalt)
- Period underwear (Thinx, Knix)
Gut & Digestive Health
Support for bloating, constipation, acid reflux, and digestive changes during menopause.
- Probiotics: Culturelle, OLLY, Garden of Life, and others
- Fiber supplements: Psyllium husks, Benefiber, Metamucil
- Acid reducers: Nexium, Prilosec, Zantac alternatives
- Antacids: TUMS, Rolaids, Mylanta, Pepcid
- Laxatives: Metamucil, MiraLAX, Dulcolax
- Stool softeners: Dulcolax, Colace
- Anti-diarrhea medicines: Pepto Bismol, Imodium A-D
- Nausea medicines: Reliefband, Emetrol, ginger supplements
- Lactose intolerance supplements: Lactaid, Milkaid
- Gas relief products: Beano, Gas-X, simethicone
- Digestive enzyme supplements
Ear, Nose & Throat
Relief for allergies, sinus issues, and respiratory symptoms.
- Allergy & sinus medicines: Prescription and OTC
- Allergy treatment products: HEPA filters, air purifiers*
- Nasal sprays: Flonase, Nasacort, saline sprays
- Ear drops & wax removal kits
- Neti pots & sinus rinses
- Antihistamines: Benadryl, Claritin, Zyrtec, Allegra
- Motion & nausea medicines
General Health & Pain Relief
Over-the-counter and prescription medications for general wellness and symptom management.
- Pain relievers: Advil, Aleve, Tylenol, Motrin, Excedrin
- OTC medicines for menopause symptoms: See our symptom relief guide
- Homeopathic medicines for menopausal symptoms
- Antibiotic ointments: Neosporin, bacitracin
- Heating pads (electric and microwavable)
- Flu shots & immunizations
- Weight loss counseling*
- Weight loss drugs: Prescription (Wegovy, Ozempic)* and OTC*
- Weight loss programs (medically supervised)*
- Smoking cessation: Programs, counseling, prescription drugs (Chantix), gum, patches
- Varicose vein removal surgery
- Cholesterol monitors
- Home EKG devices
- Levothyroxine and thyroid medications (thyroid issues common in menopause)
Nutritional Support
Vitamins, minerals, and supplements that address specific menopause symptoms. Learn more about phytoestrogens and supplements for menopause.
- Magnesium for migraines, muscle cramps & sleep
- Omega-3 fatty acids for heart & cognitive health
- Calcium, Vitamin D & Vitamin E
- Black cohosh for hot flashes and mood
- Red clover for hormone balance
- Soy isoflavones (phytoestrogens)
- Boiron Cyclease and other homeopathic remedies
- Relizen (pollen extract for hot flashes)
- Trigonella foenum-graecum (Fenugreek)
- Glucosamine & Chondroitin for bone & muscle health
- Collagen supplements for joints & skin
- Probiotics for gut health
- Protein powders (if medically prescribed)*
- Oral rehydration solutions (ORS)
Diagnostic & At-Home Testing
Monitor your health metrics at home with FSA-eligible devices and test kits.
- Menopause test kits: FSH test strips
- Blood pressure monitors
- Thermometers & pulse oximeters
- Cholesterol test kits
- Blood glucose monitors
- Home hormone testing kits
Vision & Eye Care
Dry eyes and vision changes are common during menopause—these products can help.
- Eye examinations
- Prescription glasses & contact lenses
- Reading glasses (over-the-counter)
- Eye drops and treatments for dry eyes (OTC & prescription)
- Contact lens solutions and cases
- Eyeglass repair kits
- Lens wipes
- Vision correction surgery: LASIK, orthokeratology
Dental & Oral Health
Oral health changes like dry mouth and gum sensitivity are common in menopause.
- Dental cleanings & examinations
- Night guards for teeth grinding (bruxism)
- Teeth grinding prevention devices
- Toothache pain relievers (OTC)
- Medicated toothpaste for sensitive teeth*
- Prescription toothpaste & rinses (for dry mouth, gum disease)
Alternative Therapies
Complementary approaches that may help manage menopause symptoms when prescribed for medical purposes.
- Acupuncture (for hot flashes, pain relief)*
- Massage therapy (for pain relief, muscle tension)*
- Chiropractic care
- Cognitive behavioral therapy (CBT) for hot flashes & mood
- Hypnosis (for hot flashes, smoking cessation)*
- Alternative drugs & treatment products*
- Alternative healers (naturopaths, functional medicine)*
- Herbal & homeopathic medicines (OTC)
- Magnetic therapy*
📥 Want This List Handy?
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New Non-Hormonal Treatment Offers Relief from Menopausal Hot Flashes — With Safety Caveats
The U.S. Food and Drug Administration approved Veozah (fezolinetant), an oral medication for the treatment of moderate to severe vasomotor symptoms, or hot flashes, caused by menopause. Veozah is the first neurokinin 3 (NK3) receptor antagonist approved by the FDA to treat moderate to severe hot flashes from menopause. It works by binding to and blocking the activities of the NK3 receptor, which plays a role in the brain’s regulation of body temperature.
The End of Menopause? Scientists Explore Radical New Possibilities
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Elinzanetant Under FDA Review: A Potential New Non-Hormonal Option for Menopausal Symptoms
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