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Specialist visit

Specialist visits are eligible for HSA, FSA, and HRA as they are considered qualified medical expenses.

Eligible for HSA, FSA, HRAhigh confidence

Eligibility Matrix

Eligibility status for all account types

Account TypeStatus
HSAEligible
FSAEligible
HRAEligible

Quick Reference

The IRS defines medical care as 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. Visits to medical specialists, such as cardiologists, dermatologists, or orthopedists, fall under this definition as they are typically for the treatment or diagnosis of a medical condition.

When It Qualifies

  • The visit must be for medical care, meaning for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body.

When It Doesn't

  • Visits solely for general health or cosmetic purposes are not eligible.
  • Procedures or treatments deemed not medically necessary by the IRS are excluded.

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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 specialist visits are generally eligible, always check with your specific plan administrator as individual plan rules can vary. Keep detailed records and receipts for all expenses.