Drug Testing Kits for Home Use: FSA Eligibility
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 (U.S. Food and Drug Administration).
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 IRC 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.