Egg and Embryo Storage Fees: FSA Eligibility
Egg storage for potential future use is not eligible.
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 (Columbia University Fertility Center).
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.