No, Nutrafol is not eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA). It is classified as a general health and haircare product, which does not meet the criteria for medical necessity under IRS guidelines and SIGIS standards.
Why Is Nutrafol Not FSA/HSA Eligible?
Nutrafol is primarily marketed as a dietary supplement to improve hair health and appearance, which are considered general wellness goals rather than treatments for specific medical conditions. According to IRS Code Section 213(d) and SIGIS guidelines, FSA and HSA funds can only be used for products that treat, manage, or diagnose a recognized medical condition.
Unless prescribed by a healthcare provider to address a specific condition, such as hair loss caused by a diagnosed deficiency, hormone imbalance, or medical treatment (e.g., chemotherapy), Nutrafol does not qualify for FSA/HSA reimbursement. Even in such cases, a Letter of Medical Necessity (LMN) would be required to validate its medical purpose. Without an LMN, Nutrafol remains ineligible for FSA/HSA coverage.
Additionally, as with other dietary supplements, Nutrafol would fail the "but for" test, meaning the product would not have been purchased "but for" the medical condition. This exclusion places Nutrafol firmly in the category of ineligible items unless exceptional circumstances apply.
What to Do if You Believe Nutrafol May Be Medically Necessary
If you believe Nutrafol is necessary to address a specific medical issue, consult your healthcare provider and request an LMN. Submit the LMN to your FSA or HSA administrator for review. However, note that approval is rare for supplements primarily marketed for general wellness purposes.
