Yes, mammograms are fully eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Are Mammograms FSA/HSA Eligible?
A mammogram is a preventive and diagnostic screening tool used to detect breast cancer and other abnormalities in breast tissue. Because it is used to detect and diagnose a medical condition, a mammogram qualifies as a reimbursable expense under IRS Code Section 213(d).
According to IRS Publication 502, preventive screenings and diagnostic imaging are eligible medical expenses. This includes routine screenings as well as follow-up diagnostic mammograms recommended by a healthcare provider.
FSA- and HSA-eligible mammogram-related expenses may include:
Routine annual screening mammograms
Diagnostic mammograms recommended due to symptoms or family history
3D mammography or digital imaging, when medically necessary
Follow-up imaging or ultrasounds tied to abnormal results
- Radiologist interpretation and lab fees associated with the screening
What’s Not Covered?
The following are not eligible:
Mammograms performed solely for non-medical reasons (e.g., elective imaging without provider recommendation)
Cosmetic breast imaging not related to disease detection
Screenings included in bundled wellness programs that are not itemized
Imaging performed in non-clinical settings or without a licensed provider's referral
To qualify, the mammogram must be performed to detect or evaluate a medical condition, whether preventive or diagnostic.
How to Use Your FSA or HSA for a Mammogram
You can use your FSA or HSA card to pay for eligible mammogram services at clinics, hospitals, or imaging centers. If you pay out of pocket:
Request an itemized receipt showing the type of screening and date of service
Keep a record of any referrals or orders from your healthcare provider
Submit your documentation through your FSA or HSA administrator if reimbursement is required
For more information, refer to IRS Publication 502.
