Carewell Buying Guide: 9 FSA/HSA Eligible Incontinence Supplies
If your family invests in an FSA or HSA, using the account to its full potential is crucial. With the right strategy, you can save a significant amount of money. But to be successful, you need to know which caregiving supplies are FSA and HSA-eligible.
You can shop all FSA/HSA-eligible incontinence supplies at this link. But, to save you some time (and research) we’ve created a shoppable list of our top recommendations. It includes pull-ups, diapers with tabs, underpads, catheters, and more.
How We Chose the Incontinence Products Featured In This List
The incontinence products featured in this list are all FSA and HSA-eligible. Under each entry, we’ve included real customer feedback whenever possible, with the heading “Hear It From a User/Caregiver.”
Diapers With Tabs & Pull-Ups
1. Tranquility Premium Overnight Disposable Absorbent Underwear
Tranquility Premium overnight disposable absorbent underwear is our best-selling protective underwear, and for good reason. They’re made with 100% breathable material and have a super absorbent core that wicks away moisture, keeping the skin healthy. Tranquility Premium products support urine and bowel incontinence and provide up to 12 hours of protection so you and your loved one get restful sleep.
Key Benefits & Features
Tear-away sides for easy removal and diaper changes
Leg gathers, called Kufguards, protect against urine and bowel leaks
Feature a soft and comfortable full-rise waist panel
FSA & HSA eligible
Hear it from a caregiver
“[These are] great!! I have found Tranquility to be the best underwear on the market. They hold well and absorb a lot.”
- Kathleen C.
Price: $21.99 - $83.00
2. TENA ProSkin Overnight Super Protective Incontinence Underwear
TENA ProSkin protective incontinence underwear is designed specifically for overnight use. They have built-in “Lie Down Protection,” that draws moisture to the core, preventing leaks on bedding and clothing. The material is soft and fabric-like and the pull on style slips on like real underwear. These pull-ups protect against urine and bowel incontinence, so you don’t have to worry about changes in the middle of the night.
Key Benefits & Features
The ConfioAir fully breathable technology helps maintain the skin’s natural moisture balance
Great for overnight incontinence protection or heavier daytime use
The secure barrier system features leg gathers and soft gathers at the back to protect against all types of leakage
FSA & HSA eligible
Hear it from a caregiver
“[I] bought [these] for my 98-year-old Mother. She likes the fit and they keep her dry overnight –– no leaks!!”
- Donna D.
Price: $22.65 - $86.59
3. Prevail Per-Fit 360 Daily Adult Diapers with Tabs, Maximum Plus
These Prevail unisex diapers with tabs provide up to 12 hours of leak protection for folks with heavy urine and/or bowel incontinence. They can be used during the day or overnight and hold several voids. The adjustable tabs ensure a perfect fit and make diaper changes easy and hassle-free. They have advanced features, including an Omni odor guard that reduces ammonia smell, and MaxSorb Technology that locks in moisture, keeping the wearer clean, dry, and fresh.
Key Benefits & Features
Unisex design that supports urine and bowel incontinence
Great for wheelchair users and folks who are bedridden
Made with thin, highly absorbent material that lets the skin breathe, while locking away moisture
FSA & HSA eligible
Hear it from a caregiver
“Fabulous! These diapers fit and stay in place better than any we have used. We love the one big tab on each side. It helps make it more comfortable and fits securely.”
- Becci K.
Price: $11.99 - $54.04
Incontinence Accessories
4. McKesson Underpads, Ultra
Leaks happen, regardless of the type of incontinence products you use. Accidents are frustrating, but high-quality underpads provide an extra line of defense (and peace of mind). These McKesson underpads are 30 x 30 inches and made with super absorbent fabric. Use them to protect your loved one’s bedding, recliner, or wheelchair. After an accident, simply wad the underpad up and throw it away.
Key Benefits & Features
Can be placed over any bedding or furniture
Feature a fluff/polymer core and soft, heat-sealed non-woven edges that are gentle on the skin
Each super absorbent pad locks in wetness and reduces the pH of urine for a fresh, clean feeling
FSA & HSA eligible
Hear it from a caregiver
“These pads are great. They’re very absorbent and increase the quality of my life. The best part is you get 100, so there’s no worry about running out quickly. The price is also affordable. That is so appreciated!”
- Alexander M.
Price: $7.50 - $49.18
5. PureWick Female External Catheter
Consider the PureWick female external catheter if you or your loved one have urinary incontinence and you’re tired of dealing with diapers, pull-ups, and booster pads. The PureWick system provides a quick and convenient way to manage urinary voids at home while reducing the risk of diaper rash and moisture lesions. It’s noninvasive, wicks moisture away from the body, and reduces toilet trips.
Key Benefits & Features
Choose from single catheters or a case of 30 catheters
One Size Fits Most
Provides a safe and effective alternative to women’s incontinence pads and indwelling catheters
FSA & HSA eligible
Hear it from a caregiver
“[This is a] wonderful invention. I now take my diuretic before bedtime. The Pure Wick keeps me dry and clean all night, so I can face the day without worrying.”
- Mary R.
Price: $11.95 - $308.71
6. PureWick Urine Collection System with Battery
The PureWick urine collection system is used in more than 3,000 U.S. hospitals and rehabilitation facilities and is recommended by 90% of caregivers. It provides a safe, effective, and noninvasive way to manage urinary incontinence.
The system uses suction and a soft, flexible wick to draw urine away from the body and into a sealed collection container. This keeps the skin dry, prevents moisture buildup, and significantly minimizes toilet trips.
Key Benefits & Features
Product can be used while lying down or seated
The long-lasting battery works for up to 8 hours without needing a recharge
Small and compact; easily fits on a nightstand or coffee table
HSA & FSA eligible
Hear it from a caregiver
“[The PureWick urine collection system] is great. [It] works much better than I expected and is helping solve serious skin problems.”
- Thomas P.
Price: $399.00
Wipes & Perineal Cleansers
7. Tranquility Premium Cleansing Wipes
After a void, cleaning the delicate skin of the genitals, buttocks, and inner thighs is essential. It prevents urine and feces from collecting, eliminates harmful bacteria, and reduces the risk of diaper rash and moisture lesions.
Tranquility premium cleansing wipes are soft, gentle, and free of irritants. They’re enriched with natural ingredients, like aloe, chamomile, and vitamin E, keeping sensitive skin hydrated while reducing redness and the risk of infection.
Key Benefits & Features
56 wipes per package
Each wipe is 9 x 13” and soft and flexible
Soothes sensitive skin and promotes wound healing
FSA & HSA eligible
Hear it from a caregiver
“These Tranquility wipes are very high quality! They are a perfect size & make all other wipes look tiny and a waste of money & time. The scent is very clean & refreshing. Thank you Carewell for all your wonderful supplies and thank you so much for the rapid delivery!!”
- Judy W.
Price: $5.54 - $59.99
8. DermaRite PeriFresh Rinse-Free Perineal Cleanser with Aloe Vera, Fresh Scent
The skin of the perineum –– the sensitive area between the anus and genitals –– requires special care. Without the right cleaning products, feces, urine, and smegma (a combination of dead skin cells and oil) can build up, increasing the risk of diaper rash, chafing, and irritation.
DermaRite PeriFresh is formulated to protect this crucial but often overlooked area. The pH-balanced solution is infused with aloe vera to support skin health. And, it has a light, fresh scent that’s non-irritating.
Key Benefits & Features
Neutralizes odors on contact
pH balanced to support skin health
Non-irritating
FSA & HSA eligible
Hear it from a caregiver
“[I’m] very happy the Carewell rep suggested this [perineal] cleanser. It’s economical, works well all over the body, and has very light to no scent. I refill an 8 oz. spray bottle for convenience. Thank you!”
- Donna B.
Price: $1.41 - $54.55
Skin Protectants
9. Chamosyn with Manuka Honey Multi-Purpose Moisture Barrier Skin Protectant, 4 oz.
Before changing your loved one into a new diaper or pull-up, you must protect their skin. Simply putting on a new incontinence product without adequate protection can result in chafing, diaper rash, or potential infection. A multi-purpose skin protectant, like Chamosyn, is an easy and effective way to relieve burns, itching, and other incontinence-related skin discomfort. It’s non-greasy, free of parabens, and formulated to nourish the skin. Plus, it stimulates blood flow and calms inflammation.
Key Benefits & Features
Contains zinc oxide to seal in moisture and protect the skin from irritants
Enhanced with aloe, chamomile, and CMH-certified Manuka honey
Temporarily protects and soothes irritated skin caused by diaper rash, incontinence, wound draining, hemorrhoids, and more
FSA & HSA eligible
Hear it from a caregiver
“[I] Cannot say enough good things about Chamosyn and how well it’s worked for a stage 1 pressure blister (in a most private rear part of the body). After 3 months of dealing with this lingering irritation on my husband's bum, I stumbled across a review of Chamosyn that said it worked "miracles"... I will always keep a tube of Chamosyn handy for quick treatment (and healing) in case [the] problem arises in the future.”
- TJ
Get Fast, Free Shipping & 30% Off with Autoship
Families that provide incontinence care for a loved one spend between $1,700 and $4,000 annually on diapers and other related products. That’s a lot of money! Thankfully, it’s possible to reduce costs. At Carewell, we offer free shipping on all orders $49+. You can save even more by signing up for Autoship. All new Autoship enrollees get 30% off their first order and an additional 5% off each order of qualifying products.
Have Questions About HSA and FSA Eligible Incontinence Supplies? Contact Us!
If you’re trying to determine which products in your order qualify (and which ones don’t) get in touch. Our friendly Care Team is available 24/7. They speak English and Spanish and can help you stay on budget. Call (800) 696-CARE to speak to someone in person, or email support@carewell.com.
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Read More >Chad Birt is a freelance medical writer who resides in Astoria, Oregon. When he isn't behind a keyboard, you can find him hiking, camping, or birdwatching with his wife Ella and their two dogs, Diane and Thoreau.
Chad Birt is a freelance medical writer who resides in Astoria, Oregon. When he isn't behind a keyboard, you can find him hiking, camping, or birdwatching with his wife Ella and their two dogs, Diane and Thoreau.