FSA & HSA Eligible Foot Care Products 2026
Use your Flexible Spending Account or Health Savings Account on podiatrist-recommended foot care. Michigan podiatrists explain what qualifies.
Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) can be used on a wide range of foot care products — saving you 20–40% depending on your tax bracket. Many patients don’t realize that custom orthotics, diabetic shoes, wound care supplies, and even certain OTC products qualify. Our podiatrists at Balance Foot & Ankle in Howell and Bloomfield Hills frequently help patients maximize their FSA/HSA benefits before year-end.
Our Top Picks
Custom Orthotics (Prescription)
Why we recommend it: 100% FSA/HSA eligible with a podiatrist prescription — the single highest-value foot care item you can purchase with pre-tax dollars. Our offices provide the necessary documentation.
- ✔ 100% FSA/HSA eligible
- ✔ Requires podiatrist prescription
- ✔ Most significant foot pain relief
- ✔ Covered by many insurance plans too
- ✗ Requires office visit for prescription
- ✗ Takes 2–3 weeks to fabricate
Diabetic Shoes & Inserts (Medicare Therapeutic Shoe Program)
Why we recommend it: Diabetic patients may qualify for FSA/HSA reimbursement AND Medicare coverage for therapeutic shoes — double savings opportunity
- ✔ FSA/HSA eligible
- ✔ May also qualify for Medicare coverage
- ✔ Requires diabetic diagnosis
- ✔ Significant injury prevention value
- ✗ Requires documentation
- ✗ Must be from approved supplier
Wound Care Supplies
Why we recommend it: Bandages, wound dressings, saline wash, and antibiotic ointments are FSA/HSA eligible — essential for diabetic patients managing foot wounds at home
- ✔ Foam dressings: eligible
- ✔ Saline wound wash: eligible
- ✔ Hydrocolloid bandages: eligible
- ✔ Antibiotic ointment: eligible
- ✗ Standard cosmetic bandages may not qualify
- ✗ Check packaging for FSA eligibility mark
OTC Orthotic Insoles (Since 2020 CARES Act)
Why we recommend it: The 2020 CARES Act made many OTC products FSA eligible without a prescription — including pain-relief insoles. Look for “FSA eligible” labeling.
- ✔ No prescription required (post-2020)
- ✔ Wide range of brands qualify
- ✔ PowerStep Pinnacle, PowerStep Pinnacle, Dr. Scholl’s brands
- ✔ Check for FSA eligibility icon
- ✗ Must be for medical purpose
- ✗ Comfort-only products may not qualify
Compression Socks (Medical Grade)
Why we recommend it: Medically indicated compression socks (20 mmHg+) for edema, varicose veins, or post-surgical care are FSA/HSA eligible with documentation
- ✔ FSA eligible with medical need
- ✔ Doctor recommendation strengthens claim
- ✔ Wide range of brands
- ✔ Significant retail value
- ✗ Fashion compression socks may not qualify
- ✗ Keep receipt and any recommendation letters
Antifungal Medications (OTC)
Why we recommend it: OTC antifungal treatments for athlete’s foot and toenail fungus became FSA eligible under the CARES Act — keep all receipts
- ✔ OTC antifungal: FSA eligible
- ✔ Clotrimazole, miconazole, terbinafine qualify
- ✔ No prescription needed
- ✔ Effective for athlete’s foot
- ✗ Cosmetic nail polish not eligible
- ✗ Must be for treatment of a condition
Frequently Asked Questions
What foot care products are FSA/HSA eligible?
Post the 2020 CARES Act, many more OTC foot care products became eligible. Currently FSA/HSA eligible: custom orthotics (with Rx), diabetic shoes (with Rx), wound care supplies, OTC insoles, medical-grade compression socks, antifungal medications, callus treatments, and blister care. Always look for the FSA Eligible icon or check with your FSA/HSA administrator.
Do I need a prescription for FSA/HSA foot care?
For some products, yes — custom orthotics and diabetic shoes require a prescription to be FSA/HSA eligible. For OTC products (insoles, antifungals, wound care), most are eligible without a prescription since the 2020 CARES Act. For borderline items, a Letter of Medical Necessity (LMN) from your podiatrist can make the item eligible.
Can I use FSA/HSA for a podiatrist visit?
Yes — all podiatrist office visits, diagnostic tests, procedures, and prescription medications are FSA/HSA eligible. This includes bunion surgery, ingrown toenail procedures, cortisone injections, and custom orthotic consultations. Cosmetic procedures (nail polish, non-medical pedicures) are not eligible.
What is a Letter of Medical Necessity for foot care?
A Letter of Medical Necessity (LMN) is a document from your podiatrist stating that a specific product or service is medically required for your condition. LMNs can make borderline items like orthotics, compression socks, and specialized shoes FSA/HSA eligible. Ask our office to provide an LMN at your next visit if you need documentation for a reimbursement claim.
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📍 Located in Michigan?
Our board-certified podiatrists treat this condition at two convenient locations. Same-day appointments often available.
Dr. Tom Biernacki, DPM is a double board-certified podiatrist and foot & ankle surgeon serving Southeast Michigan at Balance Foot & Ankle Specialists. With over a decade of clinical experience and thousands of surgeries and procedures performed, Dr. Biernacki brings exceptional expertise to every patient interaction.
A Michigan native, Dr. Biernacki earned his undergraduate degree from the University of Memphis and his Doctor of Podiatric Medicine (DPM) from Kent State University College of Podiatric Medicine. He completed a three-year advanced surgical residency in foot and ankle surgery in the Detroit metro area, followed by additional fellowship training in podiatric surgery.
Dr. Biernacki specializes in the treatment of heel pain, bunions, hammertoes, diabetic foot care, sports injuries, flatfoot correction, and minimally invasive foot surgery. He is dedicated to providing evidence-based, patient-centered care that helps people of all ages stay active and pain-free.
Outside the office, Dr. Biernacki is a devoted family man — married for over 15 years and a proud father of four children. He is committed to community education through the MichiganFootDoctors.com resource library and his YouTube channel, which has reached over one million views. Dr. Biernacki is a member of the American Podiatric Medical Association (APMA) and the American College of Foot and Ankle Surgeons (ACFAS).