Does my FSA cover cosmetic surgery? (FSA Q&A)

FSA Guidelines on Cosmetic Surgery

Because plastic surgery is typically not used to treat a medical condition, it is not considered an FSA eligible expense. Any changes to appearance without a valid medical reason are not reimbursable.

Does that mean cosmetic surgery is never covered?

No, it depends on the circumstances. As this IRS 2020 Publication shows, cosmetic surgery may be eligible if it’s performed to treat a birth defect, a disfiguring disease, or to treat trauma.

For example, breast reconstruction after a mastectomy and reconstructive surgery on the face would be covered.

The following procedures do not qualify as FSA eligible under any circumstance:

- nonsurgical procedures such as hair transplants, hair removal, microdermabrasion, and chemical peels.

- surgical procedures including liposuction, breast augmentation, face lifts, and tummy tucks.

Learn more about FSA eligible expenses via the FSA Learning Center.