Cosmetic Surgery Tips

Can you pay for liposuction with hsa

Yes, you can use HSA funds to pay for liposuction. In fact, there are very few things you can’t use your health savings account for — with only a few exceptions. Keep in mind that if your plastic surgeon’s office doesn’t accept health savings accounts, you can always pay out of pocket and then be reimbursed later when your styptic pencils are blunt again or when you finally need the new iPad case after six months or so of refusing it.

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Can you pay for liposuction with hsa

Do you have a health savings account? If so, you’re probably thinking of the ways you can use up your accumulated dollars before the end of the year. While buying new contact lenses, purchasing a WaterPik, or stocking up on vitamins are perfectly fine ways to spend the money you’ve accumulated in your HSA account, they’re kind of boring. But, what else can you use your HSA money for? Did you know you can use your health savings dollars for cosmetic procedures — such as liposuction and fat transfers from Innovations Medical?

What is a Health Savings Account?

A health savings account, also known as an HSA, is a medical savings account for individuals with high-deductible health plans. Money deposited into health savings accounts is not subject to federal income tax and can be used to pay for health insurance deductible expenses and to cover qualified medical costs. Users may also elect to spend their HSA funds on procedures not covered by health insurance, such as dental and vision care or cosmetic treatments.

Procedures to Consider

While you’re thinking about cashing out your HSA dollars before the end of the year, think about the procedures you want to spend it on. Each procedure has its own benefits and recovery time. You should also note that you can only use your HSA on cosmetic procedures that are necessary to improve a deformity from a congenital abnormality, a personal injury resulting from an accident or trauma, or a disfiguring disease.


Liposuction is an excellent option if you want to remove stubborn, unwanted fat that hasn’t seemed to budge despite your hard work at the gym and eating a healthy diet. Now is your chance to get rid of stubborn fat forever. Liposuction is dynamic; it works on a multitude of body areas including the flanks, thighs, abdomen, back, and upper arms. Dr. Johnson uses SmartLipo to eliminate unwanted fat. Another benefit of SmartLipo is that it causes the body to increase its production of collagen, which improves skin tone and tightens the treated area.

Recovery from liposuction can take up to several months for all swelling to subside in some patients, but most people are able to return to work within a few days. Other forms of liposuction include:

  • Tickle/Vipro Liposuction
  • Traditional Liposuction
  • Sedation Liposuction

Fat Transfer

Another great procedure to get in before the end of the year is a fat transfer. Fat transfers take unwanted fat collected through liposuction and put it in another body area that you want to fill out. For example, you can take unwanted fat from your midsection and use it to restore volume to your face if you have areas that have sunken over time. The most common fat transfer procedures include natural breast augmentation and Brazilian Butt-Lift.

Natural Breast Augmentation

Natural breast augmentation uses fat from your body to increase the size and volume and improve the shape of the breasts. Because there are no foreign objects used in the procedure, recovery time is lessened and many people can return to work the next day. While swelling may take up to a month to subside, most people can return to mild exercise activities within a week.

Brazillian Butt-Lift

One of the most popular fat transfer procedures is the Brazilian Butt-Lift — a body sculpting procedure designed to enhance the size and shape of the buttocks. A Brazillian Butt-Lift is a great way to increase the size and shape of your booty without the need for buttock implants. As with other procedures, swelling from the surgery can take up to four weeks to subside, but many people were able to return to work by the next day.

Fat Autograft Muscle Injection

Another fat transfer option is the FAMI procedure — which is fat transfer to the face. Unlike traditional face fat transfer methods, FAMI brings a new way of thinking to the fat transfer procedure. It begins to take into account the patient’s facial vascular paths, and as a result, the patient can now see more consistency in the final outcome. The new FAMI technique uses the facial vascular network and places the fat into/under the facial muscles to provide long-lasting, symmetric results.

Recovery time for the FAMI procedure can take a week to 10 days — with most people returning to normal everyday activities after a couple of days. Because the procedure is done with local anesthesia, patients can walk out of the procedure and only experience some bruising and swelling.

Of course, not all medical expenses are covered by an individual’s health insurance plan. But that doesn’t mean there’s no relief for out-of-pocket expenses. A health savings account is an excellent employee benefit to accompany a high-deductible health plan, and account-holders should be encouraged to take advantage of these tax-free funds.

Many medical expenses clearly qualify for HSA spending or reimbursement, but when it comes to cosmetic procedures and treatments, the line is not always so clear. So, here are some frequently asked questions about HSAs and cosmetic surgery.

What’s an HSA?

A health savings account (HSA) is a personal bank account with significant tax advantages that can be used by an individual to pay for qualified medical expenses on a compatible high-deductible health plan (HDHP).

Unlike most flexible spending accounts (FSAs), the funds in HSAs are automatically rolled over from year to year and can be used indefinitely so long as the purchase is a qualified medical expense. This is particularly attractive for younger, healthier individuals who don’t usually use the balance of their yearly contributions by the time the term resets.

There’s a limit to the amount that a person or family can contribute to their HSA each year, as determined by the Internal Revenue Service (IRS). Both the employer and employee may contribute to an HSA, and employees are permitted to make contributions either through automatic deposits from regular payroll deductions or through manual deposits. If making manual contributions to an HSA, an individual won’t be able to take advantage of the full tax benefits until they have filed their taxes.

What’s an HSA-Eligible Expense?

If an expense is medically necessary and prescribed by a physician, then it qualifies as an HSA-eligible expense. According to the IRS, HSA-eligible expenses—or qualified medical expenses—include:

  • the costs of diagnosis, cure, mitigation, treatment, or prevention of disease, and for the purpose of affecting any part or function of the body.
  • payments for legal medical services rendered by physicians, surgeons, dentists, and other medical practitioners.
  • the costs of equipment, supplies, and diagnostic devices needed for these purposes.

To further clarify, the IRS insists, “Medical care expenses must be primarily to alleviate or prevent a physical or mental disability or illness. They don’t include expenses that are merely beneficial to general health, such as vitamins or a vacation.” The penalty for using HSA funds for ineligible expenses is the amount of the withdrawal plus income tax— with an additional 20% tax applied unless you are over 65.

For a comprehensive, but not exhaustive list of eligible expenses, see the IRS’s What Medical Expenses Are Includible? Alternatively, a list of ineligible expenses—again, comprehensive, but not exhaustive—can be found here.

Can You Use an HSA for Cosmetic Surgery?

Given the IRS’s definition, most cosmetic surgery does not qualify as an HSA-eligible expense—including “any procedure that is directed at improving the patient’s appearance and doesn’t meaningfully promote the proper function of the body or prevent or treat illness or disease.”

However, some cosmetic surgery may meet the definition of a qualified medical expense if “it is necessary to improve a deformity arising from, or directly related to, a congenital abnormality, a personal injury resulting from an accident or trauma, or a disfiguring disease.” These HSA eligible expenses include dental implant surgery and laser eye surgery.

Can You Use an HSA for Plastic Surgery?

While many use the terms “plastic surgery” and “cosmetic surgery” interchangeably, the American Board of Cosmetic Surgery distinguishes between the two. Cosmetic surgery is “entirely focused on enhancing a patient’s appearance” whereas plastic surgery is “dedicated to reconstruction of facial and body defects due to birth disorders, trauma, burns, and disease.”

Given this distinction, most plastic surgery—such as breast reconstruction surgery— would qualify as an HSA-eligible expense since it is “intended to correct dysfunctional areas of the body.”

Can You Use an HSA for Cosmetic Dermatology?

While many dermatological procedures are HSA-eligible, it may be necessary to obtain a Letter of Medical Necessity from the dermatologist. 

Aesthetic issues such as wrinkles or dark spots usually do not qualify, but skin cancer and acne treatments usually do, even when insurance will not cover them. HSA funds can also be used to purchase dermatological prescriptions.

Can You Use an HSA for Botox?

Botox treatments that are not medically necessary are not HSA-eligible. There are, however, some cases in which Botox may qualify, such as treatment for migraines or for dental procedures.

A Letter of Medical Necessity from a doctor or dentist may be required to use HSA funds for Botox.

Can You Use an HSA for Breast Augmentation?

Since breast augmentation is a cosmetic procedure, it is not an HSA-eligible expense. 

However, some major insurers, such as Cigna, will reimburse the removal of defective or medically dangerous breast implants. Breast reconstruction surgery is also a qualified medical expense.

Can You Use an HSA for LASIK Surgery?

The IRS does list eye surgery, such as LASIK, as an HSA-eligible expense. 

Similarly, eye exams, glasses, and contact lenses also qualify as medically necessary expenses.

Can You Use an HSA for Liposuction?

Although liposuction is generally not an HSA-eligible expense, weight-loss programs used as a treatment for specific, physician-diagnosed diseases—such as obesity, hypertension, and heart disease—may qualify.

The IRS does note, however, that weight-loss programs do not qualify if “the purpose of the weight loss is the improvement of appearance, general health, or sense of well-being.”

Can You Use an HSA for Medication or Supplies Related to an Uncovered Procedure?

It depends. If medication or supplies related to a procedure not covered by health insurance are deemed necessary by a doctor or dentist, then they may be HSA-eligible. A Letter of Medical Necessity may be required.

However, if “uncovered” refers to a procedure outside the IRS’s definition of a qualified medical expense, then HSA funds may not be used for medication or supplies related to that procedure.

How Do You Obtain a Letter of Medical Necessity for Cosmetic Procedures?

Most major HSA account administrators have their own Letter of Medical Necessity form that account-holders can ask their doctor or dentist to fill out. 

Some administrators may accept a letter written by a physician rather than a printable or fillable form, but at minimum, documentation must meet the IRS’s necessary and specific criteria: “Medical care expenses must be primarily to alleviate or prevent a physical or mental disability or illness. They don’t include expenses that are merely beneficial to general health, such as vitamins or a vacation.”

If you’re looking to pay for liposuction with an HSA, you may think that it’s impossible. But the truth is that there are some ways to use your account to fund your cosmetic surgery treatment. So before giving up on this solution altogether, let’s explore what makes HSAs different from other types of health insurance plans and how they might help cover the cost of liposuction.

Many Americans are making use of health savings accounts, or HSAs, to supplement their healthcare insurance.

HSAs are a type of tax-advantaged account. In the same way that a 401(k) can save for retirement, an HSA can be used to save money specifically for healthcare expenses. The funds in an HSA can be invested and grow over time, just like any other investment or savings account.

The funds in your HSA aren’t limited to just medical bills and prescriptions—you’re free to use them on whatever you see fit as long as it’s related to your health. That means you can use those dollars toward anything from yoga classes or gym memberships all the way up through cosmetic surgery if you so choose (as long as it’s medically necessary).

HSAs are typically paired with high-deductible health insurance plans, which means they don’t cover much until after you’ve paid out some significant out-of-pocket costs on deductibles and co-pays. However, once those costs are met for the year, any remaining money left over in your account will roll over into next year without losing its tax benefits or being taxed at ordinary income rates like IRA funds would be if left untouched for an extended period of time

These accounts are designed to be used on medical expenses, but they have some limitations.

HSAs can be used to pay for health insurance premiums, prescription drugs, medical equipment and supplies, dental expenses and more.

HSAs are intended to help you save money for future health care costs. They’re funded by you through pre-tax payroll deductions or withdrawals from your paycheck each month—when you use your HSA funds to pay for qualified expenses (read: not non-qualified ones—see below), your savings grow tax free until withdrawn at retirement age.

In order to use your HSA funds for cosmetic surgery, you’ll need to make sure that the procedure is medically necessary. This means that it must be performed by a medical professional with expertise in the area you’re having work done on and it must be performed at a healthcare facility. It’s also important that this doctor is licensed by their state or country and has knowledge of the procedures they are doing, so they can provide you with informed consent about any potential side effects or complications that may arise from having this procedure done.

Liposuction is one of the most popular cosmetic surgeries in America today.

Liposuction is one of the most popular cosmetic surgeries in America today. It’s typically used as a way to remove stubborn fat deposits that diet and exercise haven’t been able to touch, but it can also be used to sculpt your body by removing excess skin and tissue. The procedure itself is pretty simple; your surgeon will make a small incision near the area they plan to treat, then insert a cannula (a thin tube) into your body. At this point, they’ll pump out the unwanted fat with suction until their desired results are achieved.

While liposuction isn’t cheap—it usually costs between $5K and $20K depending on how much work needs to be done—you may be eligible for coverage through your HSA account if you have one! We’ll talk about whether you can use an HSA for this purpose later on in this article.

It’s typically used as a way to remove stubborn fat deposits that diet and exercise haven’t been able to touch.

Liposuction is a cosmetic procedure that is typically used to remove stubborn fat deposits that diet and exercise haven’t been able to touch. Unlike most surgical procedures, it’s meant to help you achieve the body you want without having to spend hours in the gym or on a treadmill. If you’re considering liposuction because your physician has told you that your weight is out of control and they want to help get it under control before they try other methods like gastric bypass surgery or lap band surgery, then this article isn’t for you—we’ll look at how HSA funds can be used for weight-loss surgeries later in this series.

The procedure itself is quite simple.

A common procedure for liposuction is getting the fat removed from certain areas of your body. The doctor will use a thin tube to insert it underneath your skin, then break up fat cells and remove them through that same tube. This process usually takes less than an hour, and you can go home around two hours after your surgery is done.

A lot of people think that liposuction is painful, but it’s actually done under local anesthesia—meaning you’re awake but won’t feel any pain because there’s no need to cut any nerves or blood vessels while removing fat cells. It’s also possible for some people to get general anesthesia if they prefer this method (though most people don’t). Most people heal quickly after having lipo done: most doctors recommend taking pain medication for about three days following surgery before returning home or going back to work; others say it depends on how much recovery time your body needs after having this kind of procedure performed on it!

The doctor inserts a thin tube underneath your skin, which he uses to break up fat cells and remove them from the body. He then suctions out your fat through the tube. The procedure is usually done on an outpatient basis, meaning you can go home right after surgery.

If you want to get rid of small areas of fat or cellulite, liposuction may be right for you. It’s safe and effective when performed by experienced doctors who use anesthesia during surgery. Lipo can reduce excess fat around:

  • Arms
  • Abdomen (stomach)
  • Buttocks
Unfortunately, liposuction isn’t always covered by health insurance plans.
  • Liposuction, also known as lipoplasty and body contouring, is a cosmetic procedure that uses suction to remove fat from the body. The surgeon removes fat deposits through small incisions in the skin with a tube-shaped device called a cannula.
  • There are many reasons why a patient would want to undergo liposuction: They may have a specific area of their body they would like to change (such as their love handles), or they may have general concerns about their figure and want to look slimmer overall. While this surgery isn’t right for everyone—and it’s important that you speak with your doctor before making any decisions—for those who do qualify, it can be an effective way to improve your self-image while reducing pain or discomfort in certain areas of your body.
  • Liposuction is generally safe when done by experienced professionals using modern equipment and techniques, but there are still risks involved with any type of invasive surgery, including infections at the site of incision(s), skin discoloration or scarring at those sites later on down the line (these side effects can usually be treated). Lipo patients should also expect bruising around these same areas during recovery time after surgery; however these symptoms tend not last more than two weeks after surgery has concluded – so don’t let them scare away potential patients!
Most cosmetic surgeries are not covered by HSA plans but liposuction for health reasons might be covered
  • Cosmetic surgery is not covered by HSA plans.
  • Liposuction is another procedure that’s generally considered cosmetic and not medically necessary, so it won’t be covered.

However, depending on your situation and your doctor’s recommendation, liposuction might be one of those procedures that could be medically necessary for your health. That means it could be eligible for reimbursement under an HSA plan.*

You’ll need to get a referral from your primary care physician or other licensed medical professional before you can use an HSA account to pay for the cost of liposuction.*

Once you have a referral, the next step will be getting approval from your provider before making any payments.

We hope this article has helped you understand the ins and outs of HSAs and how they can be used for cosmetic surgery.

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