The Complete HSA Eligibility List

Here it is — the most-comprehensive eligibility list available on the web. From A to Z, items and services deemed eligible for tax-free spending with your Flexible Spending Account (FSA), Health Savings Account (HSA), Health Reimbursement Arrangement (HRA) and more will be here, complete with details and requirements. Important Reminder: HSAs, FSAs, HRAs and other account types listed may not all be the same. Be sure to check with your administrator to confirm if something is eligible before making a purchase.

Here it is — the most-comprehensive eligibility list available on the web. From A to Z, items and services deemed eligible for tax-free spending with your Flexible Spending Account (FSA), Health Savings Account (HSA), Health Reimbursement Arrangement (HRA) and more will be here, complete with details and requirements. Important Reminder: FSAs, HRAs and other account types listed may not all be the same. Be sure to check with your administrator to confirm if something is eligible before making a purchase.

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Dermatology Treatment: HSA Eligibility

Dermatology Treatment: requires a Letter of Medical Necessity (LMN) to be eligible with a Health Savings Account (HSA)
Dermatology treatment may or may not require a Letter of Medical Necessity (LMN) or prescription dependent upon the service and treatment to be eligible with a flexible spending account (FSA), health savings account (HSA) or health reimbursement arrangement (HRA). Dermatology treatment reimbursement is not eligible with a limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).

What is dermatology?

Dermatology is the medical discipline that is concerned with the skin, hair, nails and mucous membranes, which studies and treats more than 3,000 potential disease and conditions ranging from minor issues like acne to more advanced ailments like skin cancer. However, dermatologists also specialize in a wide range of cosmetic procedures to treat or remove skin imperfections, which can make it difficult for benefits administrators to determine which types of dermatology treatments are eligible for reimbursement with consumer-directed healthcare accounts (News-Medical.net).

What types of dermatology treatments are covered?

Under IRC 213(d)(1), which regulates the eligibility of medical products and services covered under 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." Dermatology treatments that are for a primarily cosmetic purpose are therefore never covered under consumer-directed healthcare accounts, as they do not diagnose, cure, treat or prevent a legitimate medical condition.

Conversely, if an individual is pursuing dermatology treatments to treat a skin condition, it's important for consumer-directed healthcare account holders to check with their benefits administrators to see what types of documentation they will need to submit a claim. For instance, if a patient is pursuing a treatment for acne, this will likely be eligible for reimbursement. However, some treatments may require a Letter of Medical Necessity (LMN) to show that they are for the treatment of a specific medical condition.

Ultimately, reimbursement for dermatology treatments is heavily contingent upon the service and treatment, so it's advisable that consumer-directed account holders do sufficient research on their prospective treatments and their eligibility before submitting a claim to their benefits administrators.

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