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Is Continuous Glucose Monitor (CGM) HSA/FSA Eligible?

Category: Medical Devices & Equipment · Updated 2026-11-11
ELIGIBLE
The Ruling

Diagnostic device for managing diabetes.

Medical careIRC §213(d) · IRS Pub. 502
Typical price$40-80/month
Letter of Medical NecessityNot required

How the rule applies

A continuous glucose monitor measures blood sugar for people managing diabetes. The sensors, transmitters and readers are diagnostic and treatment supplies, so they qualify.

What to keep for your records

Keep the pharmacy receipts, and the prescription if your plan wants to see it. Insurance may cover part of the cost, so submit only the amount you actually paid.

Watch out for

Do not claim anything your insurer already reimbursed. If you pay a copay at the pharmacy, the copay is the eligible amount.

Where to buy it HSA/FSA-eligible

Pay with your HSA or FSA card directly, or buy elsewhere and save the receipt to submit for reimbursement.

Shop on FSA Store → Shop on HSA Store →

Related in Medical Devices & Equipment

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HSA-Eligible Expenses

Browse the eligibility network by category, then jump into the specific products and services HSAMaxGuide has checked.

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Letters of Medical Necessity

Understand when an LMN may matter, what it needs to establish, and which HSAMaxGuide topics connect to the issue.

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HSA/FSA Reimbursement & Documentation

Connect eligibility rulings with reimbursement timing, receipts, documentation, and the rules that affect how you use the account.

This ruling applies the HSA/FSA account rules (IRC §223, IRS Pub. 969), the medical-care definition they rely on (IRC §213(d), IRS Pub. 502) and any later statutory change or IRS guidance listed above. It is for informational purposes only. Eligibility can vary slightly by plan administrator — when in doubt, confirm with yours before purchasing.

Your next step

Learn what applies to you, run your own numbers, then act on it.

1 · LearnReimburse yourself laterNo HSA deadline: pay now, claim years from nowRead the guide 2 · AssessContribution CalculatorYour exact 2026 HSA or FSA limit, catch-up includedOpen the tool
3 · ActBuy Continuous Glucose Monitor (CGM) with HSA/FSA fundsFSA Store sells items it lists as HSA/FSA eligible, so you can pay with your HSA or FSA card.Shop FSA Store Partner link. We may earn a commission; it never changes a ruling. How we make money
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