Yes, sterilization is eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA). This includes both male and female sterilization procedures performed to permanently prevent pregnancy.
Why Is Sterilization FSA/HSA Eligible?
Sterilization is classified as a qualified medical expense under IRS Code Section 213(d) because it is a surgical procedure that permanently affects the reproductive system. It qualifies as a reimbursable medical expense when performed for contraceptive purposes, regardless of whether it is elective or medically indicated.
According to IRS Publication 502, amounts paid for legal sterilization are eligible. This includes services like tubal ligation and vasectomy, as well as related costs such as anesthesia, facility fees, and post-operative care.
FSA- and HSA-eligible sterilization procedures include:
Tubal ligation (fallopian tube removal or closure)
Vasectomy
Anesthesia and surgical facility fees
- Pre- and post-operative appointments related to the procedure
What’s Not Covered?
The following are not eligible:
Reversal procedures (e.g., tubal ligation reversal or vasectomy reversal)
Sterilization procedures performed outside of legal or medically recognized contexts
Any travel or lodging expenses unless they meet IRS criteria for medical transportation
Costs incurred without valid medical documentation
Only procedures that are performed legally and by licensed medical professionals qualify.
How to Use Your FSA or HSA for Sterilization
You can use your FSA or HSA card at the time of payment, or pay out of pocket and submit for reimbursement. To ensure eligibility:
Request itemized documentation from your provider showing the name of the procedure and related costs
Keep records of pre-operative consultation, procedure date, and follow-up visits
Ensure all services are provided by a licensed medical professional
For complete guidance on eligible medical procedures, refer to IRS Publication 502.
