Can You Use FSA or HSA for Lab Tests?
TL;DR
Yes, you can use FSA or HSA for lab tests ordered through JustLabs. All tests are eligible medical expenses under IRS guidelines. Pay with your FSA/HSA debit card at checkout, or submit your receipt for reimbursement.
Side-by-Side Comparison
| Feature | JustLabs | Traditional |
|---|---|---|
| FSA Eligible | Yes | Yes (traditional labs too) |
| HSA Eligible | Yes | Yes (traditional labs too) |
| Pay with FSA/HSA Card | Yes — at checkout | Varies by provider |
| Receipt for Reimbursement | Automatic email receipt | May need to request |
| Average Cost per Test | $6-$32 | $20-$200+ (copay or self-pay) |
How to Pay with FSA/HSA
The simplest method is to use your FSA or HSA debit card at checkout on JustLabs. The charge will appear as a medical expense. Alternatively, pay with any credit or debit card and submit your JustLabs receipt to your FSA/HSA administrator for reimbursement.
Maximize Your FSA Before It Expires
FSA funds typically expire at the end of the plan year (with a possible grace period or $610 carryover). Lab tests are a smart way to use remaining FSA dollars — invest in health screening rather than losing the money. HSA funds don't expire and roll over year to year.
What's Covered
All diagnostic lab tests ordered through JustLabs qualify as eligible medical expenses under IRS guidelines. This includes blood tests, panels, and the associated lab collection and physician order fees. No letter of medical necessity is required for standard lab tests.
When JustLabs Makes Sense
- You have FSA funds expiring at year-end
- You want to use HSA funds for preventive health screening
- You want low-cost labs that stretch your FSA/HSA further
- You need a clear receipt for FSA/HSA reimbursement
See Detailed Pricing
Frequently Asked Questions
Related Articles
Why lab test prices vary so much and how to find transparent self-pay pricing.
Options for ordering affordable lab work when you don't have health insurance.
Which lab tests qualify for HSA/FSA reimbursement and how to pay with your card.
FSA and HSA eligibility is determined by your plan administrator and IRS guidelines. JustLabs does not provide tax or benefits advice. Consult your plan administrator or tax advisor for specific eligibility questions. Information is accurate as of March 2026.