JustLabs is a direct-to-consumer lab testing platform that lets people order Quest Diagnostics blood tests without insurance. Patients pay transparent, upfront cash prices, receive a physician order automatically, and get their blood drawn at a local Quest Diagnostics patient service center. Results are delivered online with clear explanations, without needing a primary care doctor or insurance approval.
Use Your FSA or HSA for Lab Tests
Lab tests are eligible healthcare expenses. Use your pre-tax funds for blood work and save even more.
What Are FSA and HSA?
Flexible Spending Account (FSA)
A pre-tax account offered through employers. Funds must typically be used within the plan year.
Health Savings Account (HSA)
A pre-tax account paired with high-deductible health plans. Funds roll over year to year.
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.
Lab Tests Are Eligible Expenses
Medical diagnostic tests, including blood tests ordered through JustLabs, qualify as eligible healthcare expenses for both FSA and HSA accounts.
How to Use FSA/HSA Funds
Pay for Your Tests
Order and pay through JustLabs using any payment method (you'll get reimbursed).
Get Your Receipt
After payment, you'll receive a detailed receipt showing the lab tests purchased.
Submit for Reimbursement
Submit your receipt to your FSA/HSA administrator to receive reimbursement from your pre-tax funds.
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.
The Savings Add Up
By using pre-tax FSA/HSA funds, you effectively save your tax rate on every dollar spent on lab tests.
Pro Tip: Year-End Spending
FSA funds often expire at year-end. Lab tests are a smart way to use remaining funds for preventive health.
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
Can I pay directly with my FSA/HSA card?
We accept standard credit/debit cards. Pay normally, then submit your receipt to your FSA/HSA administrator for reimbursement.
What documentation do I need?
Your payment receipt from JustLabs should be sufficient. It includes the service description, date, and amount paid.
Are all lab tests eligible?
Most diagnostic lab tests qualify as eligible healthcare expenses. Check with your plan administrator if you have questions about specific tests.
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.
Ready to Use Your FSA/HSA?
Browse our test catalog and order eligible lab tests today.
Use pre-tax funds for affordable lab testing.
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