Many HSA/FSA administrators are still catching up to the benefits of genetic testing to aid you in your health journey. In general, your health care provider will need to provide a letter of medical necessity (LMN) before you'll be approved for reimbursement. Your provider should be able to easily provide this, as long as you're getting the genetic test done for a medical reason, and not for an ancestry test. The HSAstore has written a good summary of this process.

Below are the HSA administrators that have listed "genetic testing" as a reimbursable expense.

HealthEquity

https://www.healthequity.com/hsa-qme

From their site:
Genetic testing related to the diagnosis of a medical condition is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), and some health reimbursement accounts (HRA). Genetic testing is not eligible for reimbursement with a limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA). Genetic testing not related to a medical condition, such as ancestry, will not qualify.

Cigna

https://www.cigna.com/individuals-families/member-guide/eligible-expenses

From their site:
Expenses paid for genetic testing are eligible.


We will continue to update this list.

Updated on: 12/21/2023