Yes, infertility treatment is eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA) when performed to diagnose or treat a medical inability to conceive.
Why Is Infertility Treatment FSA/HSA Eligible?
Infertility is recognized as a medical condition that may affect one or both partners. Treatment to diagnose and address infertility qualifies as a medical expense under IRS Code Section 213(d), as it is performed to alleviate a physical condition preventing conception.
According to IRS Publication 502, the cost of medical procedures and services to overcome an inability to have children—including treatments like in vitro fertilization (IVF) and artificial insemination—are eligible for FSA and HSA reimbursement.
FSA- and HSA-eligible infertility treatment expenses may include:
Fertility evaluations and diagnostic testing
In vitro fertilization (IVF)
Intrauterine insemination (IUI)
Hormone therapies and fertility medications (when prescribed)
Egg and sperm retrieval procedures
Lab and embryology services
Cryopreservation of embryos or eggs when part of an active treatment cycle
Surgery to correct underlying reproductive issues (e.g., endometriosis, fibroids)
What’s Not Covered?
The following are not eligible:
Costs of using a surrogate or surrogate-related medical expenses
Storage fees for eggs, sperm, or embryos not part of an active treatment cycle
Genetic testing of embryos for non-medical reasons
Fertility services performed for elective or non-medical purposes
Donor compensation (though retrieval and screening may be eligible)
To qualify, services must be intended to treat a diagnosed condition that prevents conception and performed by licensed providers.
How to Use Your FSA or HSA for Infertility Treatment
You can use your FSA or HSA card to pay for eligible infertility-related procedures and services. If you pay out of pocket:
Request an itemized invoice from your clinic or provider
Save prescriptions or physician referrals for fertility medications and treatments
Submit all documentation through your FSA or HSA portal if reimbursement is required
For more information, refer to IRS Publication 502.
