IVF
In Vitro Fertilization (IVF) is an eligible medical expense for HSA, FSA, and HRA accounts when used to treat a diagnosed medical condition of infertility.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
The IVF treatment must be for the purpose of treating a diagnosed medical condition of infertility.
Quick Reference
The IRS considers amounts paid for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body, as medical expenses. Infertility is recognized as a medical condition, and IVF is a medical procedure performed by licensed professionals to treat it. Therefore, the costs associated with IVF are generally considered qualified medical expenses.
When It Qualifies
- •The expense must be for the treatment of a diagnosed medical condition of infertility.
- •The services must be rendered by licensed medical professionals.
When It Doesn't
- •Expenses for general health or non-medical reasons are not eligible.
- •Costs associated with surrogacy, such as payments to a surrogate mother, are generally not eligible as they are not medical care for the account holder or their spouse/dependents.
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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 IVF is generally eligible, specific plan administrators may have varying documentation requirements. Always retain detailed receipts and a statement of medical necessity or diagnosis from your healthcare provider. This information is for educational purposes only and not tax or legal advice.