Yes, health screenings are eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA) when performed to diagnose or monitor a medical condition or to prevent illness.
Why Are Health Screenings FSA/HSA Eligible?
Health screenings are preventive or diagnostic procedures that help detect health issues before symptoms arise or allow for early treatment of existing conditions. These tests qualify as eligible medical expenses under IRS Code Section 213(d) because they are performed to identify, prevent, or manage a disease.
According to IRS Publication 502, diagnostic procedures and preventive exams are eligible for reimbursement when performed by or under the supervision of a licensed healthcare provider.
FSA- and HSA-eligible health screenings may include:
Blood pressure checks
Cholesterol and lipid panels
Blood glucose and A1C testing
Cancer screenings (e.g., mammograms, colonoscopies, prostate exams)
STI/STD testing
Vision and hearing screenings
COVID-19, flu, or other viral testing
General wellness panels when performed for preventive medical care
What’s Not Covered?
The following are not eligible:
Screenings performed for employment, insurance, or school purposes
Tests performed in non-clinical or unlicensed settings
Health screenings bundled into wellness packages that include non-medical services
At-home tests purchased without a medical purpose or provider recommendation
Screenings used for entertainment, curiosity, or general interest only
To qualify, the screening must be performed for a medical reason—whether preventive or diagnostic—and not solely for convenience or administrative requirements.
How to Use Your FSA or HSA for Health Screenings
You can use your FSA or HSA card to pay for eligible screenings at a clinic, lab, or healthcare facility. If you pay out of pocket:
Request an itemized receipt showing the test name and date
Retain any documentation showing that the test was performed for a preventive or diagnostic purpose
Submit through your plan’s reimbursement process if required
For more information on eligible diagnostic and preventive services, refer to IRS Publication 502.
