Using Your HSA/FSA for Fertility Treatments & Devices

Updated: April 13, 2026

🚀 Fast Facts: Is fertility treatment HSA / FSA eligible?

In most cases, fertility treatment is HSA and FSA eligible, as it pertains to a specific medical condition of infertility
A Letter of Medical Necessity is only necessary when products are dual-purpose, and can be used for general health as well as fertility treatment

If you're exploring fertility care, you already know how quickly costs can add up. The good news is that many fertility treatments, tests, and monitoring tools may be eligible expenses under your Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs), which means you can use pre-tax dollars to pay for fertility care.

In this guide, you'll learn exactly what qualifies, when you might need documentation like a Letter of Medical Necessity (LMN), and how to easily shop for eligible fertility products online as we cover:

Let's start with whether fertility treatment is eligible, and what types of care qualify.

Is fertility treatment HSA and FSA eligible?

Fertility treatments are often eligible under IRS guidelines, but eligibility depends on the specific service, product, and your medical situation.

Commonly covered HSA and FSA fertility expenses

Many fertility-related services and products qualify without much friction.

Fertility diagnostic tests
Ovulation predictor kits
Pregnancy tests
In vitro fertilization (IVF)
Artificial insemination (IUI)
Fertility medications
Lab work and monitoring
Sperm and egg storage
Fertility monitors

Do you always need an LMN for fertility treatment?

You don't always need an LMN. Doctor visits, prescriptions, diagnostic tests, and IVF/IUI are typically covered. You may need an LMN for tracking devices, monitors with advanced features, at-home fertility kits, and supplements.

Here at Flex, we make it easy to determine if you qualify with clear eligibility labels in the Flex Marketplace.

Types of medical conditions that qualify fertility products and treatment as HSA/FSA eligible

To qualify for HSA or FSA spending, fertility care must relate to a diagnosed medical condition.

Infertility
PCOS
Endometriosis
Hormonal imbalances
Low sperm count
Irregular menstrual cycles
Reproductive disorders

Eligibility comes down to medical necessity.

How to buy fertility treatment, tests, and monitors using your HSA or FSA directly or through reimbursement

You have two main options: paying directly or submitting a reimbursement claim.

1. Pay directly at checkout

Many online stores accept HSA/FSA cards. Checkouts powered by Flex make this seamless.

Find an eligible product
Add to cart
Select HSA/FSA card
Complete eligibility verification
Finish purchase

2. Reimbursement

Pay out of pocket, save your receipt, submit a claim through your HSA/FSA provider.

13 HSA & FSA approved fertility products & treatments you can pay for using your plan directly

Here are some of the best HSA/FSA eligible fertility products:


Product	Description
	Tempdrop Wearable basal body temperature sensor for fertility tracking.
	Femometer Ovulation predictor kits and smart thermometers.
	Dandi Sperm testing, analysis, and storage services.
	Joylux Red light therapy for vaginal tissue health.
	FirmTech Male fertility and sexual health wearable tech.
	NeuEve Suppositories for vaginal health.
	Cadence OTC OTC diagnostic solutions.
	Daye Reproductive health products and diagnostics.
	Good Clean Love Fertility-friendly lubricants.
	June Bio At-home microbiome testing.
	Momotaro Apotheca Plant-based reproductive health products.
	Soul Source Reproductive health and fertility awareness tools.
	Clue Menstrual cycle tracking app for fertility planning.

Shop in the Flex Marketplace for the easiest experience.

3 FAQs about using your HSA or FSA for fertility expenses

1. Are fertility treatments automatically covered?

Not automatically, but many qualify if they meet IRS requirements tied to diagnosing or treating a medical condition.

2. Does travel for fertility treatments count?

Yes, travel related to qualified fertility treatment (mileage, lodging, parking) can qualify as long as it's primarily for medical care.

3. Can I use my HSA/FSA for surrogacy?

Most surrogacy costs are not eligible. Some specific medical expenses related to surrogacy may qualify with an LMN.

In Summary

Your HSA or FSA gives you a powerful way to offset fertility costs using pre-tax dollars. The key is understanding medical necessity, documentation, and choosing the right products. The Flex Marketplace makes it easy to shop for eligible products.