HSA & FSA Coverage

Chiyo programs may be covered by HSA and FSA if your doctor recommends the products and programs for a specific condition.

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At Chiyo we are dedicated to making our products and programs accessible to all those navigating fertility, pregnancy, postpartum, and beyond. Below we share some information about how you can potentially reduce your out of pocket spending on Chiyo through the utilization of HSA or FSA dollars. Please note that your ability to get reimbursed for Chiyo purchases will depend on your individual case, your health care provider’s recommendations, and your HSA or FSA administrator’s policies. While we cannot make any guarantees, we hope you find this information helpful. Always feel free to reach out at hello@wearechiyo.com to connect with us and learn more! 


What is an HSA or FSA?

Both HSAs and FSAs are tax-advantaged health savings accounts that allow you to use pre-tax dollars to pay for certain medical expenses. 

An HSA (health savings account) is a personal savings account that you can utilize for healthcare spending on a tax-free basis. If you are enrolled in a high-deductible health insurance plan, you are eligible to set up an HSA. You can contribute pre-tax dollars into your HSA and use these dollars to pay for certain qualified medical expenses. You own this account and funds can roll over from year to year.

An FSA (flexible spending account) is an employer-sponsored savings account that allows you to contribute pre-tax dollars and use these dollars to pay for certain qualified medical expenses. Your employer owns this account and the funds expire each year - this is a “use it or lose it” situation. 

What can I use my HSA or FSA dollars for?

HSA and FSA dollars may be used to pay for “qualified medical expenses,”per the IRS’s definitions. Examples of included expenses are: deductibles, copayments, and other medically necessary products or services (e.g., breast pumps, IVF procedures, ovulation tests, prescribed medications). The IRS provides a full list of qualified medical expenses here. 

Can I use HSA and FSA dollars to pay for Chiyo?

Potentially! Products and services that are intended simply for general health & wellness are not eligible for HSA or FSA dollars. However, if your healthcare provider recommends Chiyo for treating, mitigating, or preventing a specific medical condition (e.g., gestational diabetes, pre-diabetes, hypertension, postpartum depression, anxiety, etc.), you may be able to get reimbursed. 

How do I use my HSA or FSA to pay for Chiyo?

There are two main ways to use your HSA/FSA to pay for medical expenses:

  • HSA/FSA Debit Card. Some HSA/FSA plans include a debit card that you can use to make purchases directly
  • Reimbursement Claims. You can also pay out of pocket for a purchase and then submit a receipt and letter of medical necessity (see below) to your HSA/FSA administrator for reimbursement

For Chiyo, 

  • Talk to your healthcare provider about whether Chiyo might be right for you
  • If your healthcare provider recommends Chiyo, you can obtain a letter of medical necessity (see sample letter below)
  • Purchase Chiyo 
  • Submit your Chiyo receipt and letter of medical necessity to your HSA/FSA provider for reimbursement

How long does it take to get reimbursed?

Timing for reimbursement will depend on your individual HSA/FSA administrator. We recommend filing as soon as possible. Note that FSAs may have time constraints or grace periods associated with your plan year. Check your plan and with your administrator directly to confirm. As HSA funds roll over each year, there is not a time limitation on when you can submit your reimbursement claim.

Remember to keep track of your receipts and any associated documentation!


*Disclaimer - This material is for informational purposes only. Chiyo does not provide medical, benefit, or tax advice. This material is not intended to provide, and should not be relied on for medical, healthcare benefit, or tax advice. You should consult with your own healthcare provider and/or HSA/FSA provider before engaging in any transaction.

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