Yes, oncologist services are fully eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA) when used to diagnose, treat, or manage cancer or a related medical condition.
Why Are Oncologist Services FSA/HSA Eligible?
Oncologists are medical specialists who diagnose and treat cancer. Their services are considered medically necessary and fall under qualified medical expenses as defined by IRS Code Section 213(d). This includes both initial evaluations and long-term cancer care, whether provided by a medical, surgical, or radiation oncologist.
According to IRS Publication 502, medical care provided by licensed healthcare professionals for the diagnosis, cure, mitigation, treatment, or prevention of disease is eligible for reimbursement.
FSA- and HSA-eligible oncologist expenses may include:
Initial diagnostic consultations and second opinions
Cancer screenings and biopsy interpretations
Chemotherapy and radiation therapy supervision
Coordination of treatment plans with other specialists
Post-treatment follow-up visits and monitoring
- Supportive care related to cancer treatment (e.g., pain management, symptom relief)
What’s Not Covered?
The following are not eligible:
Services not related to medical care (e.g., cosmetic consultations)
Experimental or non-FDA-approved treatments that aren't part of standard care
Missed appointment fees or concierge charges
Travel or lodging unless it meets specific IRS guidelines for medical care
To be eligible, the care must be for a diagnosed or suspected medical condition and provided by a licensed oncologist or medical provider.
How to Use Your FSA or HSA for Oncologist Services
You can pay for oncology appointments and treatment-related services using your FSA or HSA card at hospitals, cancer centers, or clinics. If you pay out of pocket:
Request an itemized bill showing services rendered
Save documentation showing the care was related to cancer diagnosis or treatment
Submit your claim to your FSA or HSA administrator if reimbursement is needed
For more details, refer to IRS Publication 502.
