Can You Use FSA for Weight Loss?

Understanding FSA and Weight Loss

Flexible Spending Accounts (FSAs) allow employees to set aside pre-tax dollars for eligible medical expenses. When it comes to weight loss, the IRS has specific criteria that determine what is considered a qualified expense. Generally, weight loss programs that are prescribed by a physician for a diagnosed medical condition, such as obesity, can qualify for FSA reimbursement.

Eligible Weight Loss Expenses

Here are some common weight loss-related expenses that may be eligible for FSA reimbursement:

• medical weight loss programs prescribed by a healthcare provider.
• Prescription medications for weight loss.
• Weight loss surgery, such as gastric bypass, if deemed medically necessary.
• Nutrition counseling sessions with a registered dietitian.

Step-by-Step Guide to Using FSA for Weight Loss

1. Step 1: Get a Prescription

   Consult with your healthcare provider to discuss your weight loss goals and get a prescription for a weight loss program or medication.

2. Step 2: Choose a Program

   Select a medically supervised weight loss program that is recognized and accepted by your FSA plan.

3. Step 3: Keep Receipts

   Save all receipts and documentation related to your weight loss expenses for reimbursement.

4. Step 4: Submit Claims

   Follow your FSA provider’s process for submitting claims for reimbursement.

Comparison of Weight Loss Programs

Program Type	Eligibility for FSA	Typical Cost
Medical Weight Loss	Yes	$1,500 - $3,000
Prescription Medications	Yes	$50 - $200/month
Weight Loss Surgery	Yes	$15,000 - $25,000
Dietary Supplements	No	$20 - $100

Key Takeaways

• FSA funds can be used for medically necessary weight loss expenses.
• Obtain a prescription from a healthcare provider to qualify for FSA reimbursement.
• Keep detailed records of all weight loss-related expenses.
• Consult your FSA provider for a list of eligible expenses.
• Weight loss surgery and medically supervised programs are typically covered.

FAQs

• Can I use FSA for gym memberships? No, gym memberships are generally not eligible unless prescribed by a doctor for a specific medical condition.
• What documentation do I need for FSA reimbursement? You will need a prescription, receipts, and possibly a letter of medical necessity.
• Are dietary supplements covered by FSA? No, most dietary supplements are not covered unless prescribed for a specific medical condition.