Written by Chad Birt on Tue Nov 12 2024.
The year is coming to a close and with it, the deadline to use your Flexible Spending Account (FSA) funds. If you don’t use the available funds by December 31, you’ll lose the balance, unless your employer offers a grace period.
To help you make the most of your FSA savings, we’ve created this shoppable list of FSA/HSA eligible personal care products. The featured items are great to have on hand and it’s never a bad idea to stock up.
These personal care products are best-selling and top-rated. They’re also FSA/HSA eligible. Whenever possible, we’ve included real customer feedback under the heading, “Hear It From a User/Caregiver.”
Carewell Incontinence Underwear: Overnight & Heavy Full Coverage Fit is ideal for anyone experiencing heavy urinary incontinence, especially those who need reliable, overnight protection.
If you're looking for a product that combines comfort, security, and exceptional absorbency, this underwear is for you.
Key Benefits & Features
Extra-wide core: designed to help trap liquid before it turns into a leak
Anti-sagging threads: these help prevent the underwear from gapping, offering a snug fit
Soft & gentle on skin: ultra soft, premium, and hypoallergenic fabric
Pros
Designed to offer protection for side, back, and stomach sleepers.
Includes special threads stitched across the absorbent core.
Has a built-in sticky tab on the back, making disposal clean, tidy, and easy.
Cons
Only comes in sizes S-XL.
Customer Review of Carewell Incontinence Underwear Overnight & Heavy Full Coverage Fit: “They're comfortable, yet it does not feel as if it's smothering. The fit and absorbency help a lot from the sagging, helping everything stay inside. Would recommend to everyone!" - Gary
Quality antibacterial soap is a caregiver must, whether you’re preparing a meal, changing incontinence products, or treating diabetic wounds. This McKesson soap is a customer favorite and comes in several sizes. It has a clean scent, lathers nicely, and kills up to 99% of germs.
Key Benefits & Features
The soap’s gentle formulation is easy on the skin.
Helps prevent cross-contamination.
Contains benzethonium chloride to reduce the amount of bacteria on the skin.
Pros
The soap has a fresh, pleasant scent.
Comes in a bottle with an easty-to-dispense cap.
Comes in several sizes: 8 oz. bottle, 18 oz. bottle, 1 gallon jug, or 1,000 milliliter refill bag.
Cons
Some users don’t like the scent.
Customer Review of McKesson Antibacterial Soap, Liquid: “I like this product. McKesson is always the best! [It] doesn’t have a strong smell and is comforting on the hands. Thank you for supplying it!” - Mary A.
Prevail Personal Wipes are great for cleaning up spills, providing sponge baths, and changing incontinence products. The fabric is strong and absorbent, but gentle on sensitive skin. Each wipe is 12 x 8 inches and contains vitamin E and aloe to soothe and moisturize.
Key Benefits & Features
The wipes are alcohol and latex-free, so they’re safe for people with allergies and sensitive skin.
The wipes can be used to clean up spills or cleanse the skin.
The wipes are enriched with lotion, vitamin E, and aloe.
Pros
The chamomile scent is pleasant without being overpowering.
The wipes are strong, durable, and don’t rip easily.
The easy-open lid prevents the wipes from drying out.
Cons
Some users say they don’t like the chamomile scent.
Some users say the wipes aren’t strong enough for personal hygiene.
Some users say the wipes are too dry and make it difficult to clean.
Customer Review of Prevail Personal Wipes with Lotion, Chamomile Scented: “These are great. [They’re] larger than most wipes and really work well! Great scent, too, and they’re very strong washcloths.” - Laura T.
More than 40 million Americans wear dentures and the number continues to grow! If you or your senior is one of them, having the necessary supplies on hand is crucial. Fixodent Denture Adhesive is easy to apply and helps hold dentures in place. It prevents bacteria from getting trapped beneath the dentures and lets you chew and speak confidently.
Key Benefits & Features
Fixodent is gentle on existing teeth and gums, so it’s suitable for people with partial and complete dentures.
Fixodent comes in a 1.4 ounce tube that’s easy to hold and squeeze, making application hassle-free.
Creates a powerful seal that prevents bacteria from getting underneath your dentures.
Pros
Fixodent comes in two sizes: A 1.4 ounce tube and a 2.4 ounce tube.
The strong bond Fixodent provides allows you to talk, laugh, and eat confidently.
Cons
Fixodent can make it hard to remove your dentures if you use too much.
It can be challenging to clean Fixodent off your gums after removing your dentures.
Up to 30% of people with diabetes experience dermatological problems, such as dry skin, fungal infections, and scaly patches. Gold Bond Diabetics’ Dry Skin Relief is formulated to address these and other common skin issues. It’s unscented, applies easily, and provides up to 24 hours of moisurization.
Key Benefits & Features
Quickly soothes dry, rough, and uncomfortable skin.
The lotion is formulated specifically for people with diabetes.
The lotion contains seven intensive moisturizing ingredients that support skin health.
Pros
Dermatologist tested.
The lotion absorbs quickly and is non-greasy.
Provides up to 24 hours of hydrating, skin protection.
Cons
Only comes in one size: 13 ounce bottle.
The lotion is unscented, so it may not be the right choice if you prefer scented skin products.
Customer Review of Gold Bond Diabetics Dry Skin Relief: “This product is helping to moisten my dry feet due to Type 2 diabetes. I have tried other lotions, but they don’t work as well as Gold Bond!” - Kimberly W.
Dry, irritated skin is a common challenge many family caregivers face. Applying a quality lotion to your skin several times daily can provide peace of mind and keep common issues, such as chafing and chapping from getting worse. Lubriderm Daily Moisture Lotion is effective, affordable, and non-greasy. It absorbs in seconds, providing instant soothing relief.
Key Benefits & Features
The lotion is clinically proven to moisturize the skin for up to 24 hours.
Lubriderm Daily Moisture Lotion contains vitamin B5 and other essential skin moisturizers to prevent dryness and chafing.
Can be applied anywhere on the body to treat and prevent dry, cracked skin.
Pros
The lotion is unscented so it’s suitable for people with sensory issues.
Once applied, the lotion feels clean and non-greasy.
Improves your skin’s moisture barrier, reducing dryness and irritation.
Cons
Some users say the lotion’s formula doesn’t meet their skin care needs.
The lotion comes in one size: A 16 ounce pump bottle.
Customer Review of Lubriderm Daily Moisture Lotion Plus Pro-Ceramide: “[This lotion isn’t] greasy. It’s a great product for dry skin.” - Grace B.
If you or a loved one wears incontinence underwear or uses a catheter, cleaning the perineal area regularly can reduce the risk of diaper rash, yeast infections, and other types of skin irritation. These perineal care cleansing cloths make the process easy, by providing a disposable pre-moistened wipe that’s pH-balanced and hypoallergenic.
Key Benefits & Features
Each package contains 30 perineal care cleansing cloths.
The soft and smooth pre-moistened cloths are safe to use on the gentle skin of the perineum and genitals.
The wipes are safe in contact with common Foley catheters.
Pros
Each cleansing cloth is pre-moistened, pH-balanced, and hypoallergenic.
These wipes make changing incontinence products and catheters easy.
Prevent bacteria, yeast, and other harmful microorganisms from irritating sensitive skin.
Cons
Some users say the wipes dry out if you don’t seal the container.
Some users say the package is hard to open.
Customer Review of ReadyCleanse Metal and Perineal Care Cleansing Cloths: “Excellent product! [These are] easy to use a do a great job cleaning the [perineal] area.” - Sharon W.
Urinary incontinence and frequent catheter usage increase the risk of urinary tract infections (UTIs). Although UTIs can’t always be prevented, AZO cranberry caplets can reduce symptom severity and speed up healing. They also support urinary health by cleansing and protecting the urinary tract.
Key Benefits & Features
Each caplet contains Pacran, a proprietary blend of cranberry that helps flush the urinary tract and maintain cleanliness.
One serving is equal to a glass of cranberry juice, without the tart taste or sugar.
Each caplet is packed with vitamins, probiotics, and calcium.
Pros
AZO caplets are small and easy to swallow.
Provide an effective alternative to cranberry juice, making it a great option for diabetics and others with high blood sugar.
Starts working immediately.
Cons
Caplets must be swallowed, so people with dysphagia may need an alternative product.
The packaging can be hard to open for people who have poor dexterity or hand arthritis.
Customer Review of AZO Urinary Tract Health Cranberry Supplement: “A wonderful product to have! I believe the Cranberry Supplement from the AZO brand is really good. It helps with UTI's, and I am able to tolerate it easily. No weird smell or taste. It's easy to take & really helps the urinary tract.” - Laura A.
Contact lenses are a lifesaver when you don’t want to wear eyeglasses, but you must keep them clean to reduce irritation and prevent infections. Clear Care triple-action cleans your contacts thoroughly and disinfects them, ensuring your eyes stay healthy. It’s gentle, contains no preservatives, and supports even the most sensitive eyes.
Key Benefits & Features
Cleans and disinfects contact lenses, preventing irritation and infection.
The formula is gentle and supports sensitive eyes.
The cleansing solution contains hydrogen peroxide to eliminate harmful microorganisms.
Pros
Clear Care comes in a 12 ounce, easy-to-squeeze bottle.
The formula loosens dirt, kills harmful microorganisms, and enhances protein removal.
Works instantly.
Cons
Contacts must soak for at least six hours for the solution to be effective.
Hydrogen peroxide can burn or sting your eyes if you don’t rinse your contacts thoroughly after cleaning.
You need a specialized lens case to soak your contacts. (This is included in the package).
Customer Review of Clear Care Triple Action Cleaning and Disinfection Solution: “Thank you for the product – Easy process and payment!” - Kelly S.
Excessive earwax can be a pain, especially if you or your loved one wear hearing aids. Without treatment, wax build up can cause discomfort, itching, and even hearing loss. Debrox Earwax Removal Aid provides a safe, effective way to remove earwax without cotton balls or Q-tips. It’s quick, painless, and safe for people 12 and older.
Key Benefits & Features
Removes excessive earwax quickly with microfoam cleansing action.
Cleans the ear canals of wax, dirt, and other debris.
Relieves symptoms of excessive earwax, such as itching, discomfort, and muffled hearing.
Pros
Each kit contains a rubber bulb ear syringe and cleaning formula.
The drops release oxygen into the ears, which softens and loosens earwax.
Cons
The product can only be used on people 12 and older, so it isn’t an option for infants and children.
The product causes a foaming or crackling sound in the ears that some users find unpleasant.
Customer Review of Debrox Earwax Removal Aid: “[It] unclogged [my] ears.” - Bette L.
These personal care products make it easy to spend your FSA funds before the December 31st deadline. All orders $49+ receive free shipping.
You’re also encouraged to sign up for our Autoship program. New Autoship enrollees receive a discount off their first order and an additional 5% off future orders of qualifying products.
Wondering if a specific product is FSA-eligible? Get in touch! Our friendly Care Team speaks English and Spanish. We can make product recommendations, answer your questions, and help you use your remaining FSA funds effectively. Call (800) 696-2273 or email support@carewell.com.
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.
Read More >
The vitamins and supplements featured in this shoppable guide are all FSA/HSA eligible. To make shopping easier, we’ve separated them into two categories –– general vitamins & supplements and immune support.
Each featured item includes a product description, a brief list of key benefits & features, and whenever possible, real customer feedback.
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.
