Vasectomy and Vasectomy Reversal: FSA Eligibility

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

What are vasectomies and vasectomy reversals?

A vasectomy is a surgical procedure to sterilize a male. A vasectomy involves closing the vas deferens so that sperm can not leave the male body. Vasectomies are intended to be permanently effective but there is a surgical procedure, called a vasectomy reversal, that is usually effective at restoring fertility.

What is sterilization?

Sterilization is a permanent method of birth control. Sterilization for women and men involve different procedures. For women, sterilization is normally performed via a procedure called tubal occlusion. For men, sterilization is normally performed via a procedure called vasectomy. Tubal occlusion closes off a woman's fallopian tubes so that her eggs cannot travel from her ovaries into her uterus. Because her eggs cannot reach her uterus, and sperm cannot reach her eggs, the woman can no longer become pregnant. Similarly, with a vasectomy, the man's vas deferens are closed off to prevent sperm traveling from the testicles to the urethra and beyond.

Success rates for sterilization procedures very. Vasectomies have a slightly lower success rate than tubal occlusions. Both procedures are subject to the possibilities of inaccurate surgical procedures, regrowth or healing, etc. Tubal occlusions have been studied and result in fewer than 1 in 100 patients becoming pregnant after the procedure. Vasectomies are more difficult to study in non-monogamous situations, but are studied to be slightly less effective, or to result in slightly more pregnancies.

Sterilization is not meant to be reversible, though there are surgical procedures that attempt to re-link the vas deferens or fallopian tubes in an individual who has decided to attempt to reverse their sterilization. These procedures are not always effective. They may also not be covered by insurance, necessarily. Scar tissue and other complications of healing and surgery are possible reasons that a sterilization reversal might fail.

Costs of undergoing a sterilization procedure for men or women are both considered eligible for reimbursement with a consumer-directed healthcare account.

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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