DNA Storage: FSA Eligibility

If medically necessary for treatment of an existing or imminent medical condition, DNA storage may be eligible for reimbursement with a Letter of Medical Necessity (LMN) from a practitioner with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). DNA storage reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

What is DNA storage?

DNA storage is just one step in the process of DNA banking, which refers to the secure collection, transportation and ultimately the long-term storage of a person's genetic material. DNA has revolutionized the world of medicine and we can now understand many facets of an individual's state of health just by reading their genetic material, such as forecasting one's predisposition to certain conditions and examining genetic abnormalities that could lead to long-term health issues down the road.

In a purely medical sense, DNA storage is an option for some individuals if doctors are unaware what is causing an illness in a patient or a patient's family member, and genetic testing can provide additional insight into potential diseases and conditions. DNA storage is done by taking a sample of an individual's genetic material, such as a blood sample, and storing it at extremely low temperatures in a process called cryogenic storage. In the vast majority of cases, these samples come from individuals with genetic diseases, which will be studied in the future to identify the specific genes that cause these conditions. Ultimately, if this genetic material can prove useful in treating an existing condition or one likely to develop in the future, DNA storage should be considered.

How do I obtain a Letter of Medical Necessity (LMN) for DNA storage?

A Letter of Medical Necessity (LMN) from a doctor for DNA storage is necessary for reimbursement with most benefits providers to ensure that it is necessary for the treatment of a medical condition. This letter must outline how an account holder's medical condition necessitates DNA storage, how the treatment will be used to alleviate the issue and how long the treatment will last. If the treatment plan exceeds the current plan year, another LMN will have to be provided to the benefits administrator to cover the duration of the treatment.

Eligibility Table

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

Eligible

Eligible with Rx

Eligible with LMN

Not Eligible

 


AZ-PROD-WEB02 11/19/2017 9:35:42 PM