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Can you pay for annual physical exams with an HSA?

Are you wondering if you can pay for annual physical exams with an HSA? You may also be wondering if this item is eligible or ineligible for use with your HSA funds, or if it qualifies for reimbursement.

Yes, you can pay for annual physical exams with an HSA.

More details about annual physical exams

An annual physical exam is usually performed by your primary care physician. During this exam, the doctor will check your temperature, blood pressure, pulse, reflexes, eyes, nose, and throat. The doctor will also listen to your lungs and heartbeat, as well as feel parts of your body, such as your lymph nodes or abdomen, for lumps or swelling. The doctor will also usually check the skin, hair, and nails, and possibly the genitals or rectum if there is reason for concern.

A good doctor will also ask you about your overall health and any changes you may have noticed since your last exam.

As part of the exam, the doctor may order blood work or a urinalysis.

Many health insurance companies fully cover annual physicals, but always be sure to check your coverage to make sure.


Please note that it's always best to check with your HSA administrator or health insurance provider to confirm if you can pay for annual physical exams with your HSA card before making any purchases.

A good rule of thumb is that if your doctor diagnosed you with a specific medical condition or ordered a treatment, product, or prescription specifically for you, your HSA should cover it. Sometimes your HSA will even cover items that it normally wouldn't if you have a letter of medical necessity signed by your doctor. Again, you should check with your HSA administrator before any purchase if you have any questions about an item being eligible or ineligible.