Yes, heart disease screenings are eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA) when performed to assess cardiovascular health or diagnose a potential heart-related condition.
Why Are Heart Disease Screenings FSA/HSA Eligible?
Heart disease screenings help detect risk factors and early signs of cardiovascular disease, allowing for prevention or early treatment. Because these screenings are used to evaluate or prevent a medical condition, they qualify as eligible medical expenses under IRS Code Section 213(d).
According to IRS Publication 502, diagnostic and preventive testing performed to detect illness is reimbursable with FSA or HSA funds. Screenings that assess heart health fall within this category when ordered or conducted by a licensed healthcare provider.
FSA- and HSA-eligible heart disease screening services may include:
Blood pressure screening
Cholesterol and lipid panels
Electrocardiograms (EKG or ECG)
Coronary calcium scoring (CT scan)
Cardiac stress tests
Blood tests for inflammation markers (e.g., C-reactive protein)
Carotid artery ultrasound
Echocardiograms, if used to screen or monitor heart health
Any other heart-related tests recommended for medical reasons
What’s Not Covered?
The following are not eligible:
Screenings performed strictly for employment, insurance, or life planning purposes
Testing performed in non-medical settings without clinical justification
Preventive screenings bundled into “executive” or luxury health packages with non-medical services
At-home or consumer heart health tests not ordered or interpreted by a medical provider
To qualify, the screening must be used to assess heart health for a medical purpose—not general interest or administrative requirements.
How to Use Your FSA or HSA for Heart Disease Screenings
You can use your FSA or HSA card to pay for eligible cardiovascular screening services at clinics, hospitals, or diagnostic labs. If you pay out of pocket:
Request an itemized invoice or receipt showing the test name, provider, and date
Ensure the service is ordered or recommended by a licensed provider
Submit your documentation through your FSA or HSA portal if needed
For more information, refer to IRS Publication 502.
