Face lifts are not eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Are Face Lifts Not FSA/HSA Eligible?
A face lift (rhytidectomy) is a cosmetic surgical procedure performed to reduce signs of aging by tightening facial skin and underlying tissues. Because the purpose of this procedure is to improve appearance rather than to diagnose, treat, or prevent a medical condition, it does not qualify as medical care under IRS Code Section 213(d).
According to IRS Publication 502, expenses for cosmetic surgery or procedures are not eligible unless they are necessary to improve a deformity arising from a congenital abnormality, personal injury, or disfiguring disease. Standard face lifts performed for aesthetic reasons are explicitly excluded from reimbursement.
What’s Not Covered?
Cosmetic face lifts and mini face lifts performed for aesthetic enhancement
Procedures done to reduce wrinkles, tighten skin, or create a more youthful appearance
Surgical costs, anesthesia, and facility fees related to cosmetic face lifts
Follow-up treatments or maintenance procedures (e.g., laser resurfacing or fillers)
LMN and Exceptions
Face lifts are not eligible under normal circumstances, even with a Letter of Medical Necessity (LMN). The only exceptions are extremely rare and may include:
Reconstructive surgery following trauma or injury
Procedures necessary to correct a congenital deformity
Surgery to repair disfigurement caused by a disease (such as skin cancer removal)
In such cases, only the portion of the surgery directly related to medical treatment may be eligible, and it must be clearly documented by a physician.
Because cosmetic intent disqualifies most procedures, reimbursement for face lifts is almost never approved.
