Yes, allergy testing is eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is Allergy Testing FSA/HSA Eligible?
Allergy testing is used to diagnose specific allergens that trigger symptoms such as sneezing, skin irritation, asthma, or digestive distress. Because this testing is performed for the diagnosis and treatment of a medical condition, it qualifies as a reimbursable medical expense under IRS Code Section 213(d).
According to IRS Publication 502, diagnostic procedures and services—including lab tests like skin prick tests, blood tests (e.g., IgE testing), and food sensitivity panels—are eligible when ordered or performed by a licensed medical provider for a medical purpose.
FSA- and HSA-eligible allergy testing may include:
Skin prick or scratch testing
Intradermal testing
Blood (IgE or RAST) allergy tests
Food allergy and intolerance testing when medically necessary
Environmental allergen panels (e.g., pollen, pet dander, mold)
Testing performed by allergists, immunologists, or primary care providers
What’s Not Covered?
The following are not eligible:
At-home allergy or sensitivity test kits that are not recommended by a licensed provider
Non-diagnostic food intolerance or wellness panels without clinical relevance
DNA or genetic-based allergy tests marketed for lifestyle or general wellness
Alternative or non-FDA-approved testing methods not recognized by licensed practitioners
To qualify, allergy testing must be part of a diagnostic or treatment plan supervised by a licensed healthcare provider.
How to Use Your FSA or HSA for Allergy Testing
You can pay for eligible allergy testing directly with your FSA or HSA card or seek reimbursement by submitting documentation. To ensure eligibility:
Use a licensed medical provider for testing
Retain an itemized receipt or invoice listing the type of test performed
Save documentation in case your plan administrator requests proof of medical necessity
You can also browse buyFSA.com for pre-approved FSA- and HSA-eligible health items recommended for allergy relief after testing.
For more information on qualifying medical services, refer to IRS Publication 502.
