Yes, OB/GYN fees are fully eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA) when related to medical care, pregnancy, preventive screenings, or reproductive health services.
Why Are OB/GYN Fees FSA/HSA Eligible?
OB/GYNs (obstetricians and gynecologists) provide medical care for women’s reproductive health, pregnancy, and related medical conditions. These services are considered eligible under IRS Code Section 213(d), which allows reimbursement for expenses used to diagnose, treat, or prevent illness or disease.
According to IRS Publication 502, medical care provided by licensed healthcare professionals—including OB/GYNs—is reimbursable with FSA or HSA funds when it is related to a qualified medical purpose.
Eligible OB/GYN-related expenses may include:
Annual well-woman exams and preventive screenings
Pap smears and pelvic exams
Diagnosis and treatment of reproductive system conditions (e.g., PCOS, endometriosis)
Contraceptive counseling and prescriptions
Prenatal visits and pregnancy-related care
Fertility consultations and testing
Menopause-related treatment and hormone therapy
Labor and delivery care
- Postpartum recovery visits
What’s Not Covered?
The following are not eligible:
Cosmetic procedures not medically necessary (e.g., elective labiaplasty)
Services not provided by a licensed medical provider
Childbirth education classes not focused on labor/delivery (those may be partially eligible separately)
Missed appointment fees or late cancellation charges
Over-the-counter wellness products without a prescription
OB/GYN fees are only eligible when tied to legitimate medical care, diagnosis, or treatment.
How to Use Your FSA or HSA for OB/GYN Fees
You can pay for OB/GYN services directly with your FSA or HSA card at eligible providers. If you pay out of pocket:
Request an itemized invoice showing dates of service and types of treatment provided
Retain any supporting documentation or prescriptions if requested by your plan administrator
Submit claims for reimbursement as needed
For full details, refer to IRS Publication 502.
