Blood type testing is typically not eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA). In limited cases, testing may qualify if it is ordered by a physician for diagnostic or treatment purposes and supported by a Letter of Medical Necessity (LMN).
Why Is Blood Type Testing Not FSA/HSA Eligible?
Blood type testing is most commonly performed for informational or personal reasons, such as curiosity or planning purposes. Because general or elective testing does not diagnose, treat, or prevent a medical condition, it does not meet the IRS definition of medical care under Section 213(d).
However, in situations where blood typing is medically necessary — for example, before a surgical procedure, blood transfusion, or pregnancy-related treatment — the expense may qualify. According to IRS Publication 502, diagnostic services are eligible only if they are used to identify or treat a medical condition.
What’s Not Covered?
Over-the-counter blood typing kits purchased for personal knowledge
Laboratory or clinic blood type tests not connected to medical care
Testing performed for lifestyle or non-medical purposes
LMN and Exceptions
Blood type testing may qualify for reimbursement if:
A physician orders the test as part of pre-surgical care
The test is required to match blood for a transfusion
Testing is necessary during pregnancy to monitor Rh compatibility
To pursue reimbursement:
Obtain a Letter of Medical Necessity (LMN) from your physician outlining the medical reason for blood typing.
Submit the LMN to your FSA/HSA administrator before or alongside your claim.
If approved, pay with your FSA/HSA card or request reimbursement for the testing expense.
Retain the LMN and receipts in case of an audit.
Because routine or curiosity-based blood type testing is not eligible, administrator approval is limited to cases where there is a clear medical need.
