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Liverpool4Life | Can I use my flexible spending account through work for fertility / Infertility treatments for my wife? |
I was wondering if the FSA (flexible spending account) can be used at at cryogen laboratory (sperm bank) and for IUI treatments? The IUI is done at a Dr.'s office so I would think that it could, but I was really wondering about the Cryo-bank. (since my insurance does not cover fertility / infertility). |
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Princess Leia
|
I believe it does. Here is additional information about FSAs:
What is a Flexible Spending Account?
A Flexible Spending Account, or FSA, is an employee benefit program that allows you to set aside money, on a pre-tax basis, for certain health care and dependent care expenses. That means YOU keep MORE of your MONEY. FSAFEDS offers three types of accounts:
A Health Care FSA (HCFSA) is used to pay for eligible health care expenses that are not covered under your insurance plan, such as co-payments and over-the-counter medicines, such as Tylenol and Sudafed. It is sometimes referred to as a general purpose HCFSA.
A Limited Expense Health Care FSA (LEX HCFSA) is used in place of the general purpose Health Care FSA if the participant enrolled in a High Deductible Health Plan with a Health Savings Account (HSA). The Limited Expense HCFSA allows you to submit eligible dental and vision expenses only.
A Dependent Care FSA (DCFSA) is used to pay for childcare or adult dependent care expenses that are necessary to allow you and your spouse, if married, to work, look for work or attend school full-time. However, if you did not find a job and have no earned income for the year, your dependent care costs are not eligible. For more information, refer to Do I, or my spouse if married, have to earn income during the year to use a Dependent Care FSA (DCFSA)? |
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Ollie
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Hi,phone up & ask you have nothing to lose & everything to gain.Good Luck |
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Jasmine
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IUI treatment is very cheap in India. There is one company that is very famous in India that arranges surgery for foreigners in India. They are called the Indian Med Guru Consultants. I read a lot about them in the Newspapers and about their patient stories. I have also read that they arrange financing for international patients, as all surgery is not covered by insurance or by the stinking NHS.
They also have photos pasted of their International patients. You can checkout their website. The cost savings are incredible. As a doctor I personally believe that your surgery can be easily handled in India, as the quality of Healthcare available here is simply best in the world. The surgeons are USA/UK trained and facilities are 5 star.
My cousin got her IVF (in vitro fertilization) treatment; IUI surgery done there and she is more than very happy with the results. She is all praise for Indian Med Guru Consultants. She paid just 20% of the cost what she was quoted in USA and it was like a wonderful vacation for her. Hope this helps
Source(s):
http://www.indianmedguru.com |
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Librarian
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I believe that you can. According to this article in USA fertility treatments would be covered. It's supposed to be used for medical costs not covered by insurance. I'd imagine the folks at the Cryo-bank could tell you. |
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dac_close
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No matter what we tell you, I can't encourage you strongly enough to check this out directly with the FSA Administrator or HR/Benefits department at your employer. They will ultimately interpret the applicability of the expense to the FSA Plan and approve/deny the claim; so they are the best resource to provide you some peace of mind (and wallet).
The short answer is "yes, it should be covered" but there are many exclusions to that general rule of "covering expenses not eligible under medical" and it's best to get a pre-determination before signing up and committing your pre-tax dollars for the next Plan Year.
Remember, these monies are non-reimbursable, i.e. "use it or lose it" so being sure the money *can* be used is paramount before enrollment. |
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shayshay7000
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I think you would be able to use it for that. FSA is supposed to cover health costs not covered by insurance--even over the counter medications, so I do not see why they would not allow you to use it for the Cryo-bank. Good luck!! |
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