Radon Mitigation: FSA Eligibility

If a doctor recommends radon mitigation due to it causing a medical condition from being in a home, the cost of mitigation is eligible with a Letter of Medical Necessity (LMN) and eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Radon mitigation reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

What is radon?

According to the U.S. Environmental Protection Agency (EPA), radon is the leading cause of lung cancer in non-smokers, and the second leading cause of lung cancer overall. Radon is a naturally-occurring, chemically inert, colorless gas that is the heaviest known gas on earth, which is 9 times denser than air. Radon is emitted from rocks and soil, and it can be found almost everywhere, but when it becomes trapped indoors, it can build up over time to create dangerous concentrations of the material. In some cases, radon may enter buildings through drinking water, but this is only a major concern for those who have a private well that feeds directly into their home.

What is radon mitigation?

Radon is found in every state in the U.S., and radon testing and radon mitigation systems have become a specialized industry, as these tests and preventative measures are not generally mandatory unless mandated by local or state governments. The first step in any process of radon mitigation is having a qualified specialist perform radon testing on the residence or business in question. In most cases, if the first test returns a result between 4 and 8 pCi/L (picocuries per liter), another follow-up test will be required to determine whether this is an anomaly or if radon levels need to be reduced.

The first step in radon mitigation is to ensure that the home is free of cracks and openings that can significantly affect the structure's radon levels. However, in some cases this is not enough to reduce radon levels, so specialists can go one step further by installing a vent pipe system and fan, which pulls radon from beneath the house and vents it outside, which is also called "sub-slab depressurization." This is typically the most advanced form of radon mitigation that can dramatically lower radon levels in a home or structure.

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

A Letter of Medical Necessity (LMN) from a doctor for radon mitigation 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 radon mitigation, 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-WEB01 11/22/2017 12:50:46 PM