Testosterone: HSA Eligibility

Testosterone: requires a prescription to be eligible with a Health Savings Account (HSA)
Testosterone is eligible with a prescription for reimbursement with a flexible spending account (FSA), health savings account (HSA) and health reimbursement arrangement (HRA). Testosterone is not eligible for reimbursement with a limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).

What is testosterone?

Testosterone is a hormone that is produced naturally in both men’s and women’s bodies, which is made primarily in the testicles in men and in smaller amounts in women’s ovaries. Testosterone production in men ramps up significantly during puberty and peaks during early adulthood, at which point this production will begin to taper off in a person’s 30s and 40s. Testosterone is the primary driver behind a person’s sex drive, and plays a vital role in sperm production. The hormone plays a physiological role in the body as well, by affecting bone and muscle mass, how fat is stored in the body, and even red blood cell production (Healthline). 

How is testosterone used in medical treatment? 

Testosterone levels decrease naturally as a person ages, and lower levels can lead to a variety of potential health issues, such as changes in sexual function or sleep patterns, as well as physical or emotional changes. Individuals who have chronically low levels of testosterone may have a condition called hypergonadism, which can be treated with testosterone replacement therapy. 

While testosterone therapy has resulted in positive results for some patients, few rigorous studies have examined testosterone therapy in men who have healthy testosterone levels, so additional research is still needed to examine its further efficacy in alleviating the traditional symptoms and signs of aging. In the absence of a medical condition, doctors may prescribe natural methods of bolstering testosterone production, such as weight loss and improving muscle mass. 

However, as a means of treating conditions like hypergonadism, trials have shown that these therapies can have a positive effect on the quality of life of patients and should be discussed with a doctor in these cases as a viable treatment option (Mayo Clinic).

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