Does Walmart Accept FSA Cards Online?

Does Walmart Accept FSA Cards Online – Overview

Many people use FSAs, or flexible spending accounts, to pay for their dependent care and health care merchandise. FSA cards allow you to put money away tax-free to pay for specific things every month. You can use an FSA debit card to access multiple medical items and services in different locations.

Does the Walmart Website Accept FSA Cards

This part should be removed as it inaccurately suggests needing to work through an insurance company for FSA reimbursements, which is not typically true for direct FSA card purchases. However, you can submit an application requesting your insurance company to approve your claim. Your insurance carrier is supposed to take care of all your reimbursement processes.

While keeping receipts for FSA purchases is good practice, direct FSA card transactions at compliant stores like Walmart do not require submitting receipts to insurance. To receive your reimbursement, you must send these receipts and invoices to your plan administrator and wait for the results.

How Can You Use FSA Cards at In-Store Walmart

You can use your FSA card to make eligible in-store purchases at Walmart and on Walmart’s website. However, you can not buy anything you want with your FSA card. There are some specific items that you can buy with your FSA card.

Swipe your FSA debit card to pay for the needed items after scanning them at the checkout counter. Walmart’s automatic grocery shopping system can deduct the cost of FSA-eligible things.

The amount gets deducted based on the product numbers of the items on the receipt. You can use any alternative payment method to buy non-FSA-eligible products.

While Walmart’s system helps identify eligible items, customers should still be aware of FSA-eligible items to ensure compliance. Walmart’s IIAS system automatically identifies FSA-eligible items at checkout, simplifying the process for customers.

Walmart has an internally developed technology solution called Inventory Information Approval System (IIAS). It can identify all FSA-eligible products by scanning them during checkout. All the FSA-eligible products have unique ID numbers, which differentiates them from non-eligible products.

The total displayed amount of your purchase includes all the FSA and non-FSA items. However, while paying, you can use your FSA card for FSA-eligible products and any other payment method for non-FSA products.

Which Walmart Products are Eligible for an FSA Card?

Does Walmart Accept FSA Cards Online

Does Walmart Accept FSA Cards Online? – Which Walmart Products are Eligible for an FSA Card?

Walmart’s webpage has different categories for FSA-eligible products.

  • Equate
  • Cold and flu
  • Vitamins
  • Pain management
  • Incontinence
  • Home Health
  • Personal care
  • Diabetes
  • Mobility aids
  • Baby care
  • Eye and ear care
  • CPAP
  • Patient care

Benefits of Using FSA Cards

  • You can fulfill your urgent medical requirements by using an FSA card
  • FSA cards can take care of your urgent needs for children care and dependent care
  • In case of medical emergencies, FSA cards can come in really handy
  • Managing your expenses can become quite easy
  • It can allow you to pay for things in a non-taxable way

Disadvantages of Using FSA Cards

  • FSA funds typically must be used by the end of the plan year, but plans may offer a grace period or allow a carryover of up to $550 into the next year. Some employers can offer a grace period in certain situations or allow you to carry forward the money.
  • When your actual expenses overextend the said amount, the employees may need to bear your remaining amount.
  • It does not allow any deduction for your actual spending amount
  • Your Flexible Savings Accounts are always linked to your employer. If you change or leave your job for some reason, you cannot carry forward these benefits to your new employer.

Who Can Offer You Flexible Savings Accounts (FSA)?

You can mostly use your flexible spending accounts or FSA cards to buy healthcare services and products. Multiple insurance companies can offer you flexible spending accounts.

However, you should always check with the insurance company to see if your plan offers FSA. Always try to choose a company that does not sell through any other third parties. It will make the process less complicated, and you will be able to experience all the benefits.

What Other Payment Methods Can You Use at Walmart?

You can always use different payment methods to purchase something from Walmart. You can choose any of the following according to your convenience –

  • Debit cards
  • Credit cards
  • Gift cards (However, you can not buy a gift card using another gift card)
  • EBT
  • Capital One W Walmart credit cards

You can always change your payment method whenever you want.


FSA cards can be really handy in case of emergencies, especially while paying for healthcare services or products. However, you can only buy specific things using your FSA cards from in-store Walmart.

See Also

Walmart Food Pantry Grants

Whole Foods Grants

Costco Grants

Does Walgreens Deliver Prescriptions

Are Vitamins FSA Eligible

Current Version
March 13, 2024
Updated By
Andrea Morales G.

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