Can You Buy a Pregnancy Test With HSA?
Navigate your Health Savings Account (HSA) to understand eligible medical expenses and optimize your healthcare savings and spending.
A Health Savings Account (HSA) offers a tax-advantaged way for individuals to save and pay for qualified medical expenses. Available to those with a High-Deductible Health Plan (HDHP), which has lower monthly premiums but higher out-of-pocket costs before insurance coverage. HSA funds grow tax-free and can be used for a broad range of eligible health expenses.
Pregnancy Test Eligibility
Pregnancy tests are considered a qualified medical expense and can be purchased using HSA funds. The IRS defines qualified medical expenses as amounts paid for diagnosis, treatment, or prevention of disease, or affecting any body function. Pregnancy tests align with this definition, serving a diagnostic purpose by detecting hormones to confirm pregnancy. This diagnostic function makes them eligible for HSA use, providing a tax-free method for this initial step in prenatal care. Over-the-counter pregnancy tests became eligible without a prescription due to the CARES Act of 2020, simplifying access for HSA use.
Other Qualifying Medical Expenses
Beyond pregnancy tests, HSAs cover a wide array of other common medical expenses. This includes professional medical services like doctor’s visits, hospital stays, and specialist consultations. Prescription medications, and many over-the-counter drugs and medical supplies, are eligible without a prescription since 2020. Dental care (cleanings, fillings, orthodontics) and vision care (eye exams, eyeglasses, contact lenses, LASIK surgery) typically qualify. Medical equipment (crutches, bandages, diagnostic devices) and services (acupuncture, chiropractic care, physical therapy) are also covered.
Using Your HSA Funds
HSA funds can be used for eligible purchases in practical ways. Many HSA providers issue a dedicated debit card for direct payments at healthcare providers, pharmacies, or online. Alternatively, individuals can pay out-of-pocket and seek reimbursement from their HSA. Reimbursement is typically done through online transfers or by requesting a check from the HSA administrator. Retain all receipts and detailed records for HSA purchases as proof of eligible expenses for an IRS audit.
Items Not Covered by HSA
While HSAs offer broad coverage, certain items and services are not qualified medical expenses. These include cosmetic procedures unless medically necessary to correct a deformity or treat a disease. General health items like vitamins or nutritional supplements are not covered unless prescribed to treat a diagnosed condition. Health club memberships are also excluded unless part of a prescribed treatment plan for a medical condition. Personal use items like toothpaste or deodorant are excluded.