Cervical Pillow: HSA Eligibility

A cervical pillow, if used to treat a medical condition, is eligible for reimbursement with a Letter of Medical Necessity (LMN) from a physician with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Cervical pillow reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

What is a cervical pillow?

Cervical pillows, also known as contour pillows, are designed with curved features that adhere to an individual's head, neck, shoulders and legs. Cervical pillows are designed for back and side sleepers who experience headaches, stiff necks, shoulder, lower back and neck pain, as well as a method to alleviate snoring and sleep apnea symptoms. Typically, these pillows are constructed out of firmer materials than traditional pillows, such as high-density or memory foam.

There are several primary types of cervical pillows, including those that are designed to treat head and neck issues, those that are designed to be held between the legs during sleep to treat lower back pain and pillows meant for sleep apnea symptoms. The cervical pillows designed for the head and neck are designed to support the neck, while providing a contoured area for the head to rest during sleep. Ideally, these pillows are meant for back sleepers and will slightly elevate the head and neck to reduce pain during sleep and after waking up. Additionally, these pillows can be designed to be used in tandem with continuous positive airway pressure (CPAP) machines to keep the head at a proper elevation to prevent snoring and other sleep apnea symptoms.

Side sleepers will find more success from cervical pillows that are placed between the legs, as placing this pillow between the knees will reduce stress on the lower back and ensure that the back is in a more proper alignment to prevent strain and lingering pain during and after sleep.

How do I obtain a Letter of Medical Necessity (LMN) for cervical pillows?

A Letter of Medical Necessity (LMN) from a doctor for cervical pillows is necessary for reimbursement with most benefits providers to ensure that it is necessary for the treatment of a medical condition. This letter must outline how an account holder's medical condition necessitates a cervical pillow, how the treatment will be used to alleviate the issue and how long the treatment will last. If the treatment plan exceeds the current plan year, another LMN will have to be provided to the benefits administrator to cover the duration of the treatment.

Cervical Pillow: Best Sellers


Eligibility Table

Flexible Spending Account (FSA) Limited Care FSA Dependent Care FSA Health Savings Account (HSA) Health Reimbursement Account (HRA)

Eligible

Eligible with Rx

Eligible with LMN

Not Eligible

 


AZ-PROD-WEB01 11/19/2017 1:15:28 AM