Yes, a hysterectomy is eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA) when performed for a medically necessary reason.
Why Is a Hysterectomy FSA/HSA Eligible?
A hysterectomy is a surgical procedure to remove the uterus and is commonly performed to treat serious medical conditions such as uterine fibroids, endometriosis, chronic pelvic pain, cancer, or abnormal bleeding. When performed to treat or manage a diagnosed health issue, the procedure qualifies as an eligible medical expense under IRS Code Section 213(d).
According to IRS Publication 502, surgery to treat a disease or medical condition is fully eligible, including hospital and related physician fees, medications, and necessary post-operative care.
FSA- and HSA-eligible hysterectomy expenses may include:
Surgeon and hospital fees
Anesthesia and operating room costs
Diagnostic testing and imaging leading up to the procedure
Post-operative care and follow-up visits
Pain medications and prescriptions related to recovery
Lab work or pathology fees related to the procedure
What’s Not Covered?
The following are not eligible:
Hysterectomy performed solely for elective, non-medical, or cosmetic reasons
Services unrelated to the surgical procedure (e.g., spa services or alternative therapies not prescribed)
Fees already covered by insurance or reimbursed by another source
Experimental or unapproved variations of the procedure not recognized as standard medical care
To qualify, the hysterectomy must be performed to treat a diagnosed medical condition and carried out by a licensed healthcare provider.
How to Use Your FSA or HSA for a Hysterectomy
You can use your FSA or HSA card to pay for qualifying surgery-related expenses. If you pay out of pocket:
Request an itemized bill from the hospital or provider
Retain documentation from your doctor confirming the medical necessity
Submit both through your FSA or HSA administrator if reimbursement is required
For more details on eligible surgical expenses, refer to IRS Publication 502.
