FSA & HSA Eligible Lab Tests
Put your pre-tax health dollars to work. Lab tests ordered through JustLabs may be eligible for payment or reimbursement through your Flexible Spending Account (FSA) or Health Savings Account (HSA). Use your health spending account for routine blood work and wellness testing.
What FSA and HSA Funds Can Be Used For
FSA and HSA accounts are designed to help you pay for qualified medical expenses with pre-tax dollars. Generally, eligible expenses include:
Diagnostic testing
Lab tests that help identify or monitor health conditions
Preventive care
Screenings and tests that detect potential health issues
Medical services
Expenses related to the diagnosis, treatment, or prevention of disease
Lab tests typically fall under diagnostic testing and may qualify as eligible expenses. However, eligibility ultimately depends on your specific plan and how the expense is categorized.
How Payment Works at Checkout
Option 1: Pay with your FSA/HSA card
Most FSA and HSA debit cards work like regular payment cards. Simply enter your card information at checkout. If the expense is eligible, it's deducted directly from your FSA/HSA balance.
Option 2: Pay out-of-pocket, then reimburse
If you prefer (or if your card isn't accepted), you can pay with a regular credit or debit card. Then submit your receipt to your FSA/HSA administrator for reimbursement.
We accept major credit cards, debit cards, and most FSA/HSA cards at checkout.
Receipts and Reimbursement
Every order generates an itemized receipt that includes:
This receipt is available in your account and sent via email. You can submit it directly to your FSA/HSA administrator if reimbursement is required.
Keep your records
FSA and HSA administrators may request documentation. Save your receipt and any results for your files.
Year-End Reminder
If you have an FSA with a "use it or lose it" policy, unused funds may expire at the end of your plan year. Lab testing is a practical way to use remaining FSA dollars on something meaningful for your health.
Common year-end scenarios:
- • Check on vitamin levels before winter
- • Establish baseline wellness markers
- • Follow up on previous test results
- • Get testing you've been putting off
Don't forget:
Check your plan deadline and remaining balance—many FSAs expire in December or shortly after.
Frequently Asked Questions
Are all lab tests FSA/HSA eligible?
Most diagnostic lab tests are considered eligible medical expenses. However, eligibility is determined by IRS guidelines and your specific plan administrator. If you're unsure, check with your FSA/HSA provider before ordering.
Can I use both FSA and HSA?
Generally, you can't contribute to both an FSA and HSA in the same year (with limited exceptions for certain FSA types). However, if you have funds remaining in either account, those funds can typically be used for eligible medical expenses.
What if my FSA/HSA card is declined?
Some FSA/HSA cards require additional verification for online purchases. If declined, try paying with a regular card and submitting for reimbursement. Contact your plan administrator if you believe the expense should be covered.
Do I need a letter of medical necessity?
Typically not for standard diagnostic lab tests. However, some FSA administrators may request documentation. Your receipt and test details usually suffice.
Will I get a receipt for my records?
Yes. Every order includes an itemized receipt available in your account and sent via email. This receipt is suitable for FSA/HSA reimbursement submissions.
Use Your FSA/HSA for Lab Tests
Browse our catalog of eligible lab tests and put your pre-tax dollars to work.
View FSA/HSA Eligible Tests