Laser hair removal is not eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is Laser Hair Removal Not FSA/HSA Eligible?
Laser hair removal is a cosmetic procedure that uses laser technology to reduce or eliminate unwanted hair. Because the treatment is performed for aesthetic purposes 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, cosmetic surgery and procedures that improve appearance but do not serve a medical function are not eligible for reimbursement. Laser hair removal is specifically excluded as it is considered elective and non-medical.
What’s Not Covered?
Cosmetic laser hair removal treatments for aesthetic purposes
Packages or maintenance sessions purchased from dermatology clinics or med spas
At-home laser hair removal devices
Follow-up treatments for cosmetic maintenance
Any hair removal procedure performed for comfort or appearance improvement
LMN and Exceptions
Laser hair removal is not eligible under normal circumstances, even with a Letter of Medical Necessity (LMN).
In very rare cases, partial reimbursement may be possible if the procedure is performed to treat a diagnosed medical condition, such as:
Hirsutism or excessive hair growth caused by a hormonal disorder (e.g., polycystic ovary syndrome)
Skin irritation or infection caused by abnormal hair growth patterns
Medical preparation for a surgical procedure (e.g., removing hair from a surgical site)
In these limited instances, eligibility depends on:
A physician’s diagnosis and prescription.
A Letter of Medical Necessity (LMN) detailing the medical condition and required treatment.
Administrator pre-approval before the procedure.
Only the portion of the expense directly related to medical treatment—not cosmetic improvement—may qualify, and such approvals are uncommon.
