Can FSA be used for cosmetic procedures such as breast lift, lipo, TT..etc?

Question

I was wandering if you can use your flexible spending account on the above mentioned procedures considering that sometimes they require a receipt to validate the swipe?

Kenneth Hughes, MD · Answer

My experience with FSAs has been that only medical necessary procedures are covered.  Breast reduction is sometimes covered if it would alleviates back issues.  Recommend that you contact your FSA administrator and obtain a written response to your inquiry.

Camille Cash, MD · Answer

Cosmetic procedures are typically ineligible for FSA unless they are linked to a congenital issue or address some other medical concern.  If you are unsure if the procedure that interests you could be included you may want to consult your HR department.

Alyson Wells, MD, FACS · Answer

FSAs, HSAs, and insurance plans are part of an increasingly difficult to navigate healthcare landscape--for both patients and physicians.  The particulars of different FSAs can vary widely, but generally do not cover cosmetic procedures.  My advice is to carefully read the coverage guidelines and call the plan administrators.  I would also be aware that very often the answer from the coverage entity is "Of course that would be covered--if it is medically necessary."  The issue surrounding this phrasing is that no cosmetic procedure is deemed medically necessary.

Mark Schoemann, MD · Answer

There are many types of flex spending accounts and health savings accounts and each plan has it's own guidelines. Typically cosmetic procedures are excluded and the accounts are for medically necessary procedures. Our patients will use them for upper eyelid surgery as well as breast reduction and scar revisions.   I would check with your FSA plan to see what the guidelines are for your individual account.

Arian Mowlavi, MD, FACS (license on probation) · Answer

Although I do not know the details of your plan, I have had patients in the past use this account to assist with medical bills.

Can FSA be used for cosmetic procedures such as breast lift, lipo, TT..etc?

Answers (5)

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