Diagnostic Services: HSA Eligibility

Diagnostic services reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Diagnostic services reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

What are diagnostic services?

Diagnostic services are an invaluable facet of modern medicine that make up a diverse selection of medical services and care techniques that are used to determine the presence of a disease or dysfunction in the body. As opposed to preventive care like immunizations, lab tests and screenings that are used to prevent illness or detect issues before symptoms arise, diagnostic services are utilized as a response to a patient's existing issues, examining specific symptoms and diagnosing the issue based on test results and other observations.

In this way, specific medical tests could have both preventive and diagnostic functions. For instance, a physician may take a patient's blood pressure as a regular means of monitoring his/her risks for hypertension as a preventative measure, but if this patient had come in after experiencing chest pain, this blood pressure check would be considered a diagnostic test because it is done as a response to present symptoms and risk factors.

As such, diagnostic services encompass a huge range of potential tests, treatments and medical services that are performed in doctor's offices, outpatient facilities and hospitals. The IRS has ruled that these services are covered under consumer-directed healthcare accounts as long as they fit the definition of IRS ' 213(d)(1). According to Under IRS ' 213(d)(1), "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." In some cases, a benefits administrator may require a Letter of Medical Necessity (LMN) from a physician for some forms of treatment, but by and large, diagnostic services are a normal facet of medical care that are covered by FSAs, HSAs and HRAs.

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

 


AZ-PROD-WEB01 11/19/2017 8:29:37 AM