Breast Augmentation: FSA Eligibility

The cost of breast augmentation (such as implants or injections) is not a qualified medical expenses as it is considered a cosmetic procedure. Breast augmentation reimbursement is not eligible with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

How is breast augmentation performed?

Breast augmentation, also known as augmentation mammoplasty, is a cosmetic procedure that is designed to enlarge the breasts that is typically done through the use of a breast implant. These surgeries can be performed in a hospital, surgery center or doctor's office, and patients can opt for surgical techniques that require inpatient care with general anesthesia or outpatient surgery that is done under local anesthesia. The vast majority of women opt for general anesthesia and the procedure can typically last from one to multiple hours depending on the skills of the physician and any complications that may arise. Most women will consider this surgery to enhance the size of their breasts, restore their shape after significant weight loss/pregnancy and to make them more evenly proportioned.

Before the surgery, patients are typically given a mammogram or X-ray to ensure that any breast abnormalities are not present, as well as giving the surgeon a pre-operative image of the underlying breast tissue to develop a plan for surgery. Once the patient has been given anesthesia, an incision to place the implant will be made in one of four places: along the underside of the breast, under the arm, around the nipple or through a mastectomy scar (to reconstruct this area after breast removal). This is done to lessen the appearance of scarring and to place the incision in less noticeable areas of the body.

The post-operative period following breast augmentation surgery typically includes a period of 7-10 days of heavy bandaging before stitches are removed. Swelling and bruising may persist in the weeks following the surgery, so doctors suggest using over-the-counter (OTC) pain relievers and anti-inflammatories to control these symptoms, as well as wearing supportive bras for several weeks until the area has completely healed and no discomfort is present.

Eligibility Table



Eligible with Rx

Eligible with LMN

Not Eligible


AZ-PROD-WEB01 1/21/2018 8:07:49 PM