Fertility treatments
Fertility treatments are generally eligible for reimbursement with HSA, FSA, and HRA funds.
Eligible for HSA, FSA, HRAhigh confidence
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
The IRS considers fertility treatments to be qualified medical expenses because they are for the purpose of affecting a structure or function of the body, specifically the reproductive system. This includes various procedures and services aimed at helping an individual conceive.
When It Qualifies
- •The treatments must be for medical purposes to affect the body's reproductive function.
When It Doesn't
- •Treatments solely for cosmetic reasons are not eligible.
- •Treatments for general health improvement not directly related to conception are not eligible.
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Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
While generally eligible, specific plan administrators may have their own documentation requirements. Always retain detailed receipts and consult your plan administrator for confirmation. This information is for educational purposes only and not tax or legal advice.