Can You Use HSA for Plastic Surgery?

Health Savings Accounts (HSAs) are a great tool for saving money on healthcare expenses, but can you use HSA funds for plastic surgery? The answer is not straightforward and depends on the nature of the surgery. Here's a closer look at the rules surrounding using HSA funds for plastic surgery.

Typically, cosmetic procedures are not considered eligible expenses for HSA funds. However, there are some situations where plastic surgery may be covered by an HSA:

• Reconstructive surgery: If the surgery is deemed medically necessary for health reasons, such as reconstructive surgery after an accident or for correcting a birth defect, it may be eligible for HSA funds.
• Dental procedures: Some dental procedures, such as jaw surgery or dental implants for medical reasons, may qualify for HSA funds.

It's important to note that elective cosmetic surgeries, such as rhinoplasty or breast augmentation for purely aesthetic reasons, are generally not HSA-eligible expenses. If you are considering using your HSA for plastic surgery, be sure to check with your healthcare provider and HSA administrator to determine if the procedure qualifies.

When it comes to using Health Savings Account (HSA) funds for plastic surgery, it's essential to understand the distinctions between cosmetic and medically necessary procedures. Generally, HSA funds are not available for elective cosmetic surgeries, but situations such as reconstructive surgery related to medical conditions can qualify for coverage.