Is Owlet Dream Sock Baby Monitor HSA or FSA Eligible?

The Owlet Dream Sock monitors infant heart rate and blood oxygen levels. With a Letter of Medical Necessity from a pediatrician documenting a specific medical condition (e.g. apnea of prematurity, cardiac risk), it qualifies under IRS Publication 502.

The full list of qualified medical expenses is defined in IRS Publication 502, updated annually. The CARES Act of 2020 expanded eligibility to include all OTC medicines and menstrual care products.

1. Schedule an appointment with your doctor and discuss the medical condition you need to manage.
2. Request a Letter of Medical Necessity (LMN) citing Owlet Dream Sock Baby Monitor by name.
3. Purchase the product with your HSA/FSA debit card, or pay out of pocket.
4. Submit your receipt + LMN through your plan administrator's portal.
5. Save the documentation for at least 7 years for IRS records.