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Can you pay for genetic testing with an HSA?

Are you wondering if you can pay for genetic testing 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.

You may be able to use your HSA to pay for genetic testing, but only if you have a letter of medical necessity.

More details about genetic testing

Genetic testing, also known as DNA testing, is the analysis of chromosomes, proteins, and certain metabolites in order to detect heritable disease-related genotypes, mutations, phenotypes, or karyotypes for clinical purposes.

There are a number of types of testing, but some of the more popular types are cell-free fetal DNA (cffDNA), newborn screening, diagnostic testing, carrier testing, prenatal diagnosis, predictive and presymptomatic testing, and pharmacogenomics.

Non-diagnostic testing includes forensic testing, paternity testing, and genealogical testing.

While many types of genetic testing are eligible for HSA reimbursement, they often require a letter of medical necessity.

Disclaimer

Please note that it's always best to check with your HSA administrator or health insurance provider to confirm if you can pay for genetic testing 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.