Cosmetic Surgery Tips

Can you use fsa for tummy tuck

The big question is; can you use fsa for tummy tuck? 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 use fsa for tummy tuck

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.”

An FSA, or flexible spending account (FSA), is a type of tax-advantaged health care program that allows you to use pre-tax dollars to pay for eligible medical expenses. These expenses can include copays, coinsurance and deductibles for out-of-pocket expenses as well as premiums for long-term care insurance. The money put into an FSA is not taxed, meaning it comes out of your paycheck before taxes are taken out. When you withdraw funds from your FSA during the year, any unspent money will be returned to you in the form of a refund when you file your taxes at the end of the year — provided certain conditions are met (more on this below).

The basics

What is a health care FSA?

A health care FSA is usually handled through your employer and allows you to pay for eligible medical expenses on a pre-tax basis. The money in this account can be used at any time, which makes it an excellent way to save on taxes during the year. For 2019, you can contribute up to $2,700 per person or $5,500 if you’re married and file jointly with your spouse.

Who can contribute to an FSA?

You’re allowed to contribute up to $2,700 (or $5,500 if married) per year as an employee or employee plus spouse as long as both spouses have coverage under the same plan through their employment—although some employers will limit contributions based on income levels. In addition: * If your employer offers one or more dependent care FSAs but not a health FSA then you may only make deposits into either one of these accounts (but not both). * You may also make regular monthly deposits into each type of account until December 31st of any year at which point those funds will no longer be available for use until next tax season starts up again in January 2020.*

Health care FSA-eligible expenses

Health care FSA-eligible expenses are those that are generally not reimbursed by insurance, such as over-the-counter medications, contact lenses, cosmetic procedures and medical equipment and supplies. These items can be purchased with your FSA funds at any time during the year in which they were incurred (even if you don’t have a qualifying expense until later). You may also be able to purchase additional coverage for vision care or dental care on top of your base plan.

Eligible expenses for a limited-purpose FSA

If you have a limited-purpose FSA, you can use it to pay for eligible expenses.

If you have a limited-purpose FSA, you can use it to pay for eligible health care expenses.

If you have a limited-purpose FSA, you can use it to pay for eligible dependent care expenses.

Limited health care FSA vs. health care FSA

Health Care FSA

  • You can use this type of FSA to pay for all your medical expenses, including:
  • Dental services
  • Orthodontia (braces)
  • Vision services, such as eyeglasses and contact lenses.
  • Prescription drugs and insulin.
  • Hospital-administered drugs – if the hospital is not in a foreign country. Limited-purpose FSAs do not cover outpatient prescription drugs that you get from a pharmacy or other provider because they are non-prescription medications.* Medical equipment like crutches or wheelchairs.* Physical therapy and occupational therapy.* Over-the-counter medicines such as aspirin or cough syrup.

Dependent care FSA eligible expenses

  • Child care expenses
  • Daycare expenses
  • After school care expenses
  • Nanny or babysitter expenses
  • Adult day care expenses
  • Elder care expenses
  • Home health care services

Some other examples include: personal care services for individuals with disabilities, in-home services for individuals with disabilities, and dependent adult family member (Dependent Care)

Who can contribute to a dependent care FSA?

To be eligible to contribute to a dependent care FSA, you must have one or more dependents who have not reached the age of 13 as of December 31st of the year prior to when you are contributing. If your child is over the age of 13, you can still contribute money into their account if they are physically or mentally incapable of self-care.

You may also make contributions on behalf of your spouse (if married) and on behalf of any other person for whom you are legally responsible for providing dependent care services.

You may contribute up to $5,000 per year into your own account even if you do not provide dependent care services—as long as this amount does not exceed what was paid out in qualified expenses in that year by yourself or anyone else whose expenses were reimbursed from their accounts.

Health care FSA vs. dependent care FSA

There are two types of FSAs: the health care FSA and the dependent care FSA. A health care FSA can be used to cover qualified medical expenses for yourself, your spouse, your dependents, or any child you may be required to provide coverage for under a divorce decree.

The dependent care FSA covers eligible child-care expenses for children under age 13 (or 18 if they’re disabled). The exact definition of “eligible” depends on whether it’s paid in cash or by purchasing goods and services that your employer has authorized—if you use a debit card at a day-care center, then yes; if you get cash back when dropping off your kid at day care so that he can spend it on toys and candy during lunch hour—probably not.

If your employer offers both types of FSAs but doesn’t specify which one is right for you, ask what their policies are before making a choice. You might find that one type fits better than another depending on how much money will go into each account yearly.

There are many benefits that come with an FSA, including tax savings and the ability to use your account for qualifying medical, dental and vision expenses.

You can use your FSA to pay for a wide range of medical and dental expenses, including:

  • Doctor visits (including primary care physicians, specialists and dentists)
  • Prescription drugs (over-the-counter medications are specifically excluded)
  • Hospital stays (including hospital stays that occur as a result of an outpatient surgery)
  • Emergency care transportation to the nearest appropriate medical facility—you cannot be transported to your doctor’s office or preferred hospital. For example, if you have an emergency appendectomy and are taken by ambulance from your home to the nearest surgical center as opposed to being driven there yourself in a car by family or friends then this expense would be considered FSA eligible. However if you decide to drive yourself instead because it’s closer or more convenient then it wouldn’t be eligible because it wasn’t medically necessary under IRS guidelines.* Laboratory tests such as blood tests* Prosthetic devices such as hearing aids which may include batteries and repairs* Physical therapy treatment (up front payment required)* Chiropractic services.

You can take advantage of the benefits of an FSA by understanding what qualifies for reimbursement and how much you can contribute to your account. The health care FSA is a great option if you have high out-of-pocket medical expenses, but there are other types of FSAs that might be better suited for you depending on your situation. Before making any decisions about FSAs, make sure to consult with a tax professional or financial planner who can help guide your decision making process.

Cosmetic procedures like tummy tucks aren’t covered by FSAs, but if you have a medical reason for the surgery your insurance may cover all or part of it.

Flexible spending accounts (FSAs) are a great way to save money on medical expenses — but can you use them to pay for tummy tucks and other cosmetic procedures? The answer is no — FSAs can only be used for medical procedures that your doctor has prescribed, and tummy tucks aren’t covered according to IRS guidelines.

Flexible spending accounts (FSAs) are a great way to save money on medical expenses. However, they can only be used for medical procedures that your doctor has prescribed and will not cover cosmetic procedures like tummy tucks.

According to IRS guidelines, FSAs are intended to pay for “reimbursements or payments up to certain limits” related to an employee’s healthcare costs. While FSAs are available at most companies these days, they’re typically only offered as part of a health insurance package — so if you don’t have one through your employer, it may be difficult for you to set one up on your own.

If your FSA does include provisions for cosmetic procedures like tummy tucks or liposuction surgery — and if those services are covered by your plan — then yes: you can use those funds toward any approved procedure (including liposuction or other noninvasive body contouring). But this is extremely rare; in most cases, cosmetic procedures won’t be covered under an FSA.

But sometimes the surgery isn’t just cosmetic — it’s also practical. In these cases, some insurance providers will provide coverage as long as there is a valid medical reason.

You may be able to use your FSA to cover a tummy tuck if you have valid medical reasons for the procedure. But sometimes the surgery isn’t just cosmetic — it’s also practical. In these cases, some insurance providers will provide coverage as long as there is a valid medical reason.

Cosmetic procedures like tummy tucks aren’t covered by FSAs, but if you have a medical reason for the surgery your insurance may cover all or part of it.

Cosmetic procedures like tummy tucks aren’t covered by FSAs, but if you have a medical reason for the surgery your insurance may cover all or part of it. If this is the case, you’ll need to contact your insurance provider directly to find out what’s covered and how much of the cost will be covered.

If you’re considering getting a tummy tuck and are curious about whether it’s covered by your FSA or health plan (if you have one), talk to your doctor about any possible qualifying medical reasons for having the procedure done.

Yes, you can use your FSA for tummy tuck. Having a tummy tuck can be a great way to improve your body image and boost your self-confidence. It may also help you to lose weight or tone muscle. The process is not complicated and you don’t need a doctor referral to have one done at an accredited facility.

Using your FSA for tummy tuck.

You can use your Flexible Spending Account (FSA) for a tummy tuck. This is true for both medical and non-medical procedures, as long as you have enough remaining in your account to cover the cost of these procedures. An FSA is sometimes called a health savings account or HSA.

Your employer may offer an FSA that allows you to make pre-tax contributions each year to pay for out-of-pocket medical expenses like surgery or dental work. The money goes into a special account held at your company’s insurance company and is deducted directly from your paycheck before income tax is calculated on it. You then submit receipts for reimbursement if you have any left over after paying healthcare bills during the year; otherwise, whatever isn’t used will roll over into next year’s available amount in whatever form it was last deposited: cash or checks written out at the end of each quarter (April 15th, June 15th, September 15th).

Using your FSA for cosmetic surgery.

You can use your FSA for cosmetic surgery.

However, the procedure must be performed by a doctor who is qualified to perform it and the surgery must be medically necessary. In other words, if you want to get a tummy tuck because your body doesn’t look how you want it to look, then that’s not going to fly with the insurance company—but if your doctor says that you have a medical condition requiring surgery, like heartburn or acid reflux disease, then they’re more likely to let you submit a claim related to those procedures.

A word of caution: while some doctors will accept patients who don’t have health insurance and operate on them as charity cases (providing free services), this can be extremely risky for both patient and physician. If something goes wrong during or after the operation or treatment process, then both parties could end up paying dearly for their decision-making skills later on down the road when legal action becomes necessary due to negligence from either party involved in this situation!

Using an FSA for cosmetic and plastic surgery is a great idea. It’s a way to save money while getting the procedure that you want. You can use this money for any cosmetic surgery, including tummy tuck, liposuction, breast augmentation and more!

Using your FSA for plastic surgery is another way to help yourself look and feel better about yourself. If you have been struggling with an issue or problem that has been bothering you lately, this solution may be just what you need to help make some changes in your life.

If you have an FSA, you might consider using it to pay for your tummy tuck. Cosmetic surgery can be expensive but this is a great way to save money on your procedure and get the results that you want.

We hope we’ve answered your question about whether or not you can use a flexible spending account to pay for your tummy tuck. The short answer? No, at least not directly. There are some exceptions, though — if you have a medical reason that requires this surgery and your insurance provider will cover it then they may let you use FSA funds to pay for the procedure.

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