Fertility Treatment: FSA Eligibility

Fertility treatments are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA). Fertility treatments are not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

What is fertility treatment?

Fertility treatment is a range of technologies and procedures used to achieve pregnancy. Fertility treatment may also be known as assisted reproductive technology, infertility treatment, artificial insemination, in vitro fertilization, and more. Fertility treatment refers to a range of functions in the reproductive process which may require medical assistance to replace, bypass or support in order to achieve pregnancy.

Fertility treatment may be a medication that enhances fertility in either partner. Fertility treatment can be artificial insemination, in which sexual intercourse is replaced by a low-tech medical process of insemination without sexual intercourse.

In vitro fertilization is a medical procedure and a fertility treatment that fertilizes a female egg with male sperm outside of the female body, then implants the egg within the female body for reproductive processes to take over. There are a variety of in vitro fertilization technologies and procedures, and they typically work in conjunction with other technologies and medications to reduce discomfort for participants, to minimize the number of attempts required to achieve a healthy pregnancy, and to minimize expenses.

Fertility medications are a form of fertility treatment that include hormones which may encourage the female body to be more receptive to achieving pregnancy via increased egg release.

Donated embryos or donated sperm may also be considered a form of fertility treatment.

Fertility treatments can be recommended by a medical professional, and fertility treatment expenses are eligible for reimbursement with a consumer-direction healthcare account. Fertility treatments are known to carry certain risks based on specific procedures, including genetic disorders, low birth weight, premature birth, and more.

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

 


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