Drug Testing Kits for Home Use: FSA Eligibility

Kits to test for a controlled substance are not eligible. If a drug testing kit is necessary for treatment of a medical condition such as an addiction, it would be eligible with a Letter of Medical Necessity (LMN) from a physician with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Drug testing kits for home use reimbursement is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

What are drug testing kits for home use?

Drug testing kits for home use are designed to provide reliable toxicology tests that can be performed in the comfort of the user's abode, which will check for the presence of drugs and other chemicals in the blood, urine or saliva. These toxicology tests can check for a specific type of drug, or up to dozens at once. The most common drug testing kits for home use a wide variety of potential substances, including prescription/nonprescription medicines, vitamin supplements, alcohol and illegal drugs such as marijuana, cocaine, heroin, methamphetamines/amphetamines, opiates, ecstasy, barbiturates and much more.

Who should perform drug testing kits for home use?

Drug testing kits for home use can be used for a variety of reasons, such as a parent who suspects that a loved one is taking drugs and would like to investigate, to check if someone is being truthful about a particular drug issue, to help someone in the process of beating a drug habit stay disciplined or to self-test before a drug test for a job to ensure that it will be clean.

Individuals who wish to purchase drug testing kits for home use and have them reimbursed through an FSA, HSA or HRA must use them to treat a legitimate medical condition. Under IRS regulation 213(d) which regulates the spending and reimbursement of consumer-directed healthcare accounts, "medical care includes 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 such, drug testing kits for home use will require a Letter of Medical Necessity (LMN) from a physician to prove that the product is necessary for the treatment of a legitimate medical condition.

How do I obtain an LMN for drug test kits for home use?

A Letter of Medical Necessity (LMN) from a doctor for drug testing kits for home use is required for reimbursement with most benefits providers to ensure that it is necessary for the treatment of a medical condition, such as addiction. This letter must outline how an account holder's medical condition necessitates drug test kits for home use, how the treatment will be used to alleviate the issue and how long the treatment will last. If additional testing kits will be required outside of the current plan year, another LMN must be submitted to cover the duration of the product's use.

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-WEB01 11/22/2017 10:46:35 AM