Egg and Embryo Storage Fees: FSA Eligibility

Egg and embryo storage, when stored for immediate use and deemed medically necessary by a doctor who has provided a Letter of Medical Necessity (LMN) is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Fees for egg and embryo storage are not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

What is Embryo and Egg Storage?

Embryo and egg storage services are artificial reproductive technologies that allow patients with medical conditions otherwise preventing or affecting their fertility to reproduce. Embryo and egg storage are both part of a variety of services that can assist with fertility. To be eligible for reimbursement under a consumer-directed healthcare account, egg and embryo storage must be deemed medically necessary by a medical professional who can provide a Letter of Medical Necessity (LMN). Storage fees may not exceed 12 months.

Patients undergoing embryo and egg storage have their reproductive materials frozen for use in a medical procedure that ultimately allows the patient to reproduce. Egg storage for potential future use is not reimbursable. Fees for storage that last over 12 months are also not reimbursable. Egg and embryo storage fees may only be reimbursed for a medically necessary reproduction plan that requires storage for 12 months or less.

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

A Letter of Medical Necessity (LMN) from a doctor for egg or embryo storage is necessary for reimbursement under a consumer-directed healthcare account. This letter must outline how a patient’s reproductive problems related to their medical condition necessitates egg or embryo storage; how the storage will be used to alleviate the issue; and how long the storage is needed for (fees for storage can’t be reimbursed if they exceed 12 months). Only short term storage is eligible; egg storage for potential future use is not eligible.

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

Specifically Not Covered

Egg storage for potential future use is not eligible.

 


AZ-PROD-WEB01 11/24/2017 7:16:58 AM