Can I Use My FSA/HSA Benefits to Purchase 23andMe?

In general, the Health component of the Health + Ancestry Service should be eligible as medical care covered by your FSA/HSA benefit during the year the purchase was made. The Health component of the Health + Ancestry Service consists of testing services and reports subject to FDA jurisdiction, including the Health Predisposition†, Carrier Status† and Wellness Reports. The Health component of the Health + Ancestry Service, valued at ~$164 + shipping and tax (where applicable) should be eligible as medical care covered by your FSA/HSA benefit (based on regular price of $199).

For purchases of the Health + Ancestry Service in a prior year:

FSA benefits can only be used to reimburse medical care expenses, including the Health + Ancestry Service, during the current plan year of your FSA plan. Purchases made in prior years will be ineligible, though your plan may have a grace period extending from the prior year into the current year (consult your administrator if you have questions).

The Health component of a prior purchase of the Health + Ancestry Service may be eligible as medical care covered by your HSA benefit, if the purchase was made while you held your current HSA account. The Health component of the Health + Ancestry Service consists of testing services and reports subject to FDA jurisdiction, including the Health Predisposition†, Carrier Status† and Wellness Reports. The Health Predisposition†, Carrier Status† and Wellness Reports should be eligible as medical care covered by your HSA benefit. 23andMe does not charge separately for Traits Reports, but provides them as part of the Health component.

The entire cost of the Health Service is eligible as medical care covered by your FSA/HSA benefit. The Health Service consists of testing services and reports subject to FDA jurisdiction, including the Health Predisposition†, Carrier Status†, and Wellness Reports. FSA benefits can only be used to reimburse medical care expenses, including the Health Service, during the current plan year of your FSA plan. Purchases made in prior years will be ineligible, though your plan may have a grace period extending from the prior year into the current year (consult your administrator if you have questions).

In general the annual fee for the 23andMe+ Premium Annual Membership should be eligible as medical care covered by your FSA/HSA benefit during the year the purchase was made.

23andMe+ Premium membership includes access to premium reports and features delivered throughout the year. Reports include:

• FDA authorized health reports
• Polygenic reports, which look at your genetic likelihood for more common conditions like LDL Cholesterol, Asthma and Anxiety

Pharmacogenetics reports‡, which help you understand how your genetics can impact how you process certain types of medications

In general the annual fee for the 23andMe+ Total Health Annual Membership should be eligible as medical care covered by your FSA/HSA benefit during the year the purchase was made.

23andMe+ Total Health is a new, first-of-its-kind health membership that combines exome sequencing, blood testing and direct access to clinical services. Members will get personalized recommendations with a focus on ongoing disease prevention and early detection. The service includes:

• Exome sequencing: Clinician-ordered advanced genetic testing that screens for clinically actionable and under-diagnosed conditions
  • Includes report categories for hereditary conditions related to cancer, cardiovascular, metabolic, kidney, neurological and other hereditary disease
  • Includes all genes considered medically actionable by the American College of Medical Genetics (ACMG)

• Bi-annual blood testing: Provides advanced cardiometabolic biomarkers plus insights into your thyroid, liver, kidneys and more
  • Assesses 55+ biomarkers 
  • Initiated by a clinician and offered at local Quest Diagnostics patient service centers; results will be tracked and delivered within 23andMe’s platform

• Access to clinicians with unique knowledge and training in genetics-based care: Ongoing direct messaging, plus a dedicated virtual consultation annually with a genetics-trained clinician to help build and progress a personalized preventive health plan

• Includes 23andMe+ Premium membership: Access to premium reports and features delivered throughout the year. Reports include:
  • FDA authorized health reports
  • Polygenic reports, which look at your genetic likelihood for more common conditions like LDL Cholesterol, Asthma and Anxiety
  • Pharmacogenetics reports‡, which help you understand how your genetics can impact how you process certain types of medications

The simplest way to determine the amount that should be eligible as medical care is to use the 23andMe FSA/HSA calculator.

For a discounted Health + Ancestry Service kit, our calculator will take the same percentage of the full Health + Ancestry Service kit price (retail $199) from what you otherwise would have been able to claim as eligible medical care on the full price service.

For example, if you paid $149 for the Health + Ancestry Service, then up to $122.97 + shipping and tax (where applicable) should be eligible medical care. This reflects application of the percentage discount off the Health + Ancestry Service to the amount that is eligible medical care where a customer pays the retail price of $199.

For the VIP Health + Ancestry Service, please contact Customer Care to determine the amount that should be eligible as medical care. Note, the VIP Health + Ancestry Service is no longer available for purchase as of January 19, 2021.

Generally, FSA and HSA funds can be used by the account owner for eligible medical care expenses for them/their eligible dependents. If you are the account owner, eligible medical care expenses typically include those incurred by the following persons:

• You and your spouse
• Dependents you claim on your tax return

If you purchased the saliva collection kit - or have received such a kit as a gift - separate from selecting your service and paying a lab processing fee online, 23andMe can only provide you with a receipt for the lab processing fee as potentially eligible as medical care.

The simplest way to determine the amount that should be eligible as medical care is to use our 23andMe FSA/HSA calculator.

In general, the Health component of the Health + Ancestry Service lab processing fee should be eligible as medical care covered by your FSA/HSA benefit.

Where you already have the 23andMe Ancestry Service and upgrade to receive our health reports, all of your upgrade fee should be considered eligible medical care.

The simplest way to determine the amount that should be eligible for medical care is to use our 23andMe FSA/HSA calculator. In general, the Health component of the Health + Ancestry Service should be eligible as medical care covered by your FSA/HSA benefit.

We’ll email you a receipt with your purchase confirmation. Include a copy of your calculation from the 23andMe FSA/HSA Calculator that details the amount that should be eligible medical care based on your valuation of the health reports and medical information included in the 23andMe service you purchased.

FSA/HSA administrators may allow you to use your FSA/HSA funds to cover qualified medical expenses for you and any person claimed as a dependent on your tax return. Check with your FSA/HSA benefits coordinator or your tax professional for confirmation on the specific requirements for individual eligibility and reimbursement, including usage, procedures, and qualifications.