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Rows of Everlywell tests covered by FSA/HSA

Are Everlywell Tests Covered By FSA/HSA?

Key Points

  • Everlywell can give you an itemized receipt when you order a test kit. You can then submit that receipt for FSA/HSA reimbursement.
  • Everlywell virtual care visits are covered by most major insurance plans and may be eligible for FSA/HSA coverage.
  • Many FSA/HSA benefits coordinators consider Everlywell tests and telehealth visits to be qualified medical expenses (as defined by the IRS).
  • Some FSA/HSA benefits coordinators, however, might deny reimbursement – so consider checking with your benefits coordinator to see if your FSA/HSA covers Everlywell’s products or services before purchasing.
  • To get an itemized receipt for your Everlywell order, simply send an email to [email protected] (be sure to include “Itemized Billing Receipt - Order #” in the subject line).

So you’ve got some money in an FSA/HSA account – but now what? Can you use it to get any Everlywell at-home lab tests or online telemedicine offerings? How does an FSA/HSA even work? Let’s break it down.

What Is An FSA/HSA?

A Flexible Spending Account (FSA) is an employee benefit that allows you to set aside pre-taxed money for certain health care expenses. [1] A Health Savings Account (HSA) is an investment account that is available to people who are enrolled in a high-deductible health plan (HDHP). [1] The HSA is funded by the HDHP and can also be funded with pre-tax contributions. These funds can be used to pay for insurance deductibles as well as other healthcare costs.

The short and sweet summary: Whether you open an FSA or HSA, you’re basically opening a savings account – that comes with tax benefits – to use specifically for healthcare expenses. This includes expenses that are part of your health insurance plan, like deductibles and copays, but you can also use the funds to cover qualified medical expenses. [1] In some cases, you can use a physical card to purchase qualified items, such as medications at a pharmacy. There is also the option to get reimbursed for qualified expenses, which involves sending a receipt to your benefits coordinator. [1]

What Are “Qualified Medical Expenses”?

According to the IRS’s Publication 502: “Medical expenses are the costs of diagnosis, cure, mitigation, treatment, or prevention of disease, and the costs for treatments affecting any part or function of the body.” [2] There are quite a few products that are considered eligible for purchase or reimbursement with FSA or HSA, including [2-3]:

  • Some over-the-counter medications, like acetaminophen, allergy medicines, and antacids.
  • Feminine hygiene products
  • Hand sanitizer
  • Pregnancy tests
  • Fertility treatments
  • First aid cream
  • Vaccinations
  • Doctor’s visits
  • Contact lenses
  • Sleep aids
  • Maternity support belts
  • Medicated hand cream, lip treatments, face wash

And much more. Keep in mind that your specific provider and plan may have certain stipulations. You should always speak directly to your benefits coordinator to determine if a product or service is covered.

Are Everlywell Tests Qualified Medical Expenses?

Generally speaking, the answer is “yes.”

In most instances, we can provide itemized receipts for tests you order – which you can submit to your FSA/HSA benefits coordinator for reimbursement.

Our receipts include:

  • Purchaser’s name, email, and address
  • Date of purchase (as opposed to date of service)
  • Amount paid (after any discounts or promotions)

These receipts are currently generated by request – so if you’d like one, please email [email protected] with “Itemized Billing Receipt” and your order number in the subject line. We can usually send you the receipt within 48 hours (on business days).

Everly Well + Motherly-17 copy Everlywell can provide itemized receipts for tests you order – which you can submit to your FSA/HSA benefits coordinator for reimbursement.

An itemized receipt is often enough for your FSA/HSA benefits coordinator to determine the eligibility of the product or service purchased. However, at-home lab tests are still relatively new to healthcare – so some smaller insurance providers may deny reimbursement because of a lack of familiarity with the product.

It’s always a good idea to check with your FSA/HSA benefits coordinator before making a purchase that you expect to be paid back for. A good practice is to give your benefits coordinator as much information as possible about the product or service before purchasing.

Are Everlywell Telehealth Visits Qualified Medical Expenses?

Generally speaking, the answer is “yes.” Telehealth services, like Everlywell virtual care visits, are considered eligible for reimbursement with FSA/HSA according to the FSA store. [3] There are certain factors to keep in mind that can influence when and if a certain telehealth visit is covered- like your plan deductible. It’s always best to check with your benefits coordinator to make sure a product or service is covered before purchasing. Everlywell telehealth visits are also covered by most major insurance plans- learn more about insurance coverage here.

Support Your Health With Everlywell

Having an FSA or HSA account can offer many benefits. Most notably, you’ll get to save money on certain services and products by using tax-free funds! You can also monitor your health from home using at-home lab tests and telehealth appointments from Everlywell. Learn more about your sexual health, heart health, hormone levels, and more from the comfort of your home. Depending on your provider, these products and services may be covered by your FSA or HSA!

What Is a Flexible Savings Account?

The Ultimate FSA/HSA Shopping Guide: HSA/FSA Eligible Expenses

What Can An FSA Be Used For?


  1. The Difference Between A Flexible Spending Account (FSA) And A Health Savings Account (HSA). National Institutes of Health. Accessed November 2023. https://hr.nih.gov/about/news/benefits/difference-between-flexible-spending-account-fsa-and-health-savings-account-hsa
  2. Publication 502 (2022), Medical and Dental Expenses. Internal Revenue Service. https://www.irs.gov/publications/p502#en_US_2018_publink1000178851
  3. The Complete FSA Eligibility List. FSA Store. Accessed November 2023. https://fsastore.com/fsa-eligibility-list
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