Yes, diagnostic services are eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Are Diagnostic Services FSA/HSA Eligible?
Diagnostic services are medical tests and procedures performed to detect, monitor, or rule out a health condition. These services qualify as eligible medical expenses under IRS Code Section 213(d) because they are performed for the purpose of evaluating a patient’s health and guiding treatment decisions.
According to IRS Publication 502, the cost of diagnostic tests and procedures is reimbursable when ordered or performed by a licensed healthcare provider for a medical purpose.
FSA- and HSA-eligible diagnostic services may include:
Blood work, including cholesterol, glucose, and hormone panels
Imaging (X-rays, MRIs, CT scans, ultrasounds)
Electrocardiograms (EKG or ECG)
Colonoscopies, endoscopies, and other internal screenings
Biopsies and tissue testing
Vision and hearing tests when part of a medical evaluation
At-home diagnostic kits when used for a medical reason (e.g., COVID-19, strep, UTI)
These services are eligible whether performed in a hospital, clinic, lab, or at home—so long as they are ordered or used for diagnosing a health issue
What’s Not Covered?
The following are not eligible:
Diagnostic testing performed for general curiosity or non-medical interest
At-home wellness tests marketed for lifestyle or entertainment purposes (e.g., ancestry or food sensitivity tests not medically indicated)
Tests performed in non-clinical settings without provider oversight
Repeat tests performed for convenience rather than clinical necessity
To qualify, the test must be intended to evaluate or manage a health concern and not for general wellness or cosmetic purposes.
How to Use Your FSA or HSA for Diagnostic Services
You can use your FSA or HSA card at labs, imaging centers, or clinics that provide diagnostic services. If you pay out of pocket:
Request an itemized invoice or lab receipt showing the test name and date of service
Retain any documents from your provider noting the reason for testing
Submit a reimbursement claim through your FSA or HSA provider, if needed
For more details on eligible healthcare services, refer to IRS Publication 502.
