Artificial Insemination: FSA Eligibility

Artificial insemination is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Artificial insemination is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

What is artificial insemination?

Artificial insemination, also known as intrauterine insemination, is a treatment for infertility and ideally will make pregnancy possible for women who aren't able to conceive through normal intercourse. During this procedure, sperm are inserted directly into the cervix, fallopian tubes or uterus to bypass any possible obstructions to egg fertilization. This procedure follows a series of cycles, or the time from a patient's first day of a period, ovulation, insemination and finally concluding with a pregnancy test. This process only takes a few minutes, but patients will typically take fertility drugs for about a week before the procedure to improve their chances of conception (WebMD).

What health issues does artificial insemination overcome?

Artificial insemination is only eligible for reimbursement under an FSA, HSA, or HRA if it is used to overcome a legitimate medical condition that prevents conception. However, these medical conditions aren't completely limited to women. Whether a male or female is a consumer spending account holder, the couple's reasons for choosing artificial insemination will be covered as long as they relate to a medical issue that interferes with a couple's ability to conceive. Some examples of potential medical conditions include via Healthline:

  • Low sperm counts
  • Poor sperm motility
  • Semen allergies
  • Sexually-transmitted diseases (STDs)
  • Severe pain during sex
  • Erectile dysfunction (ED)
  • Cervical scarring or cervical abnormalities

Eligibility Table

Flexible Spending Account (FSA) Limited Care FSA Dependent Care FSA Health Savings Account (HSA) Health Reimbursement Account (HRA)


Eligible with Rx

Eligible with LMN

Not Eligible

AZ-PROD-WEB01 12/13/2018 9:24:25 AM