Is coolsculpting covered by HSA?

Asked by: Kirk Tremblay  |  Last update: September 27, 2025
Score: 5/5 (9 votes)

Coolsculpting, or cryolipolysis, is a cosmetic procedure and therefore not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).

Can you use your HSA for CoolSculpting?

A lot of our clients use their Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA) to help pay for medical procedures like CoolSculpting. However, many insurance providers will not pay for the procedures directly. You'll need to follow up with your specific provider for more direction.

What cosmetic procedures are covered by HSA?

You typically can't use health savings account (HSA) funds to pay for cosmetic surgery tax-free if the procedure is done only to improve appearance. However, if a procedure serves a medical purpose, such as correcting a deformity from an injury or treating a health condition, it may be HSA eligible.

Is CoolSculpting covered by health insurance?

CoolSculpting is considered an elective cosmetic procedure. In other words, it isn't considered a medically necessary procedure by health insurance providers. Therefore, it is not covered by insurance. Those who opt to get CoolSculpting are responsible for the costs out-of-pocket.

Is one session of CoolSculpting worth it?

CoolSculpting Danville CA appointments last about 45 to 60 minutes. Most patients will need at least one to three treatment appointments to achieve desired results. For those who have a mild to moderate amount of fat in one or two areas of the body, a single treatment may be adequate to achieve your desired results.

HSA vs FSA: Which One Should You Get?

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What is a cheaper alternative to CoolSculpting?

Beyond fat reduction, Ultrasonic Lipo is highly effective at tightening, toning and repairing skin at the cellular level. Generally speaking, Cavi-Lipo costs less and per session than Coolsculpting, so it's considered a cheaper alternative.

How many sessions of CoolSculpting do you need for your stomach?

The number of treatments needed for the abdomen or stomach usually depends on the amount of fat being treated. You can typically achieve the svelte tummy you're after with 2 to 4 CoolSculpting sessions. Your treatments will be spaced about a month apart to allow your body to gradually eliminate the treated fat cells.

What do doctors think of CoolSculpting?

CoolSculpting Effectiveness

Studies show that cryolipolysis is safe and effective. The risks are few and rare. There's no damage to your liver. Side effects are mild, too, and go away after a short time.

Can HSA pay for gym membership?

Gym memberships. While some companies and private insurers may offer discounts on gym memberships, you generally can't use your FSA or HSA account to pay for gym or health club memberships. An exception to that rule would be if your doctor deems fitness medically necessary for your recovery or treatment.

Can you pay for Botox with HSA?

Botox injections are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) health reimbursement arrangement (HRA), dependent care flexible spending account (DCFSA) or a limited-purpose flexible spending account (LPFSA).

How to know if something is HSA eligible?

Lip balm is typically HSA-eligible if it meets certain requirements, but here's what you should know.
  1. Common or routine medical expenses. Annual exams. ...
  2. COVID PPE supplies. ...
  3. Menstrual products and OTC medications. ...
  4. Family planning products. ...
  5. Emergency medical expenses. ...
  6. Mental health expenses. ...
  7. Dental care. ...
  8. Vision care.

Can you pay for CoolSculpting with FSA?

Skin care services focused on improving your skin's appearance are not FSA eligible. These include facials, microdermabrasion, laser resurfacing, chemical peels, and any type of cosmetic surgery. These aren't covered even if they're performed by a dermatologist. Botox, fillers, and CoolSculpting also do not qualify.

Is the Apple Watch HSA eligible?

Why other fitness trackers don't qualify. Even though Fitbits and Apple Watches measure important health data, they currently do not qualify for HSA reimbursement, as they are considered for general health use and not intended to treat or manage a specific medical condition.

Can I pay for cryotherapy with HSA?

Is Cryotherapy a Qualified Medical Expense? The short answer is yes - we take HSA/FSA payments at Ultra Cryo & Recovery. The long answer is navigating the eligibility criteria for utilizing your HSA or FSA benefits for cryotherapy involves understanding the IRS's definition of "qualified medical expenses."

Does CoolSculpting really flatten your stomach?

There is typically no weight loss with CoolSculpting. It's a targeted fat reduction procedure and fat doesn't weigh that much based on it's volume. So even one pound of fat loss on the abdomen produces significant results in the size and shape of your stomach after CoolSculpting.

How many inches does CoolSculpting take off your waist?

For instance, if you want to remove stubborn fat from a small area, you may lose around half an inch on average. On the other hand, if you are trying to remove fat from a larger area, you may lose around two or three inches.

Do the Kardashians do CoolSculpting?

Khloe is not the only one from her family to try CoolSculpting, her mother Kris Jenner also tried out the non-invasive treatment and even brought in the cameras on an episode of Keeping Up With The Kardashians. She swears by this incredible procedure, and now her daughter Kim is a CoolSculpting patient as well!

Are there payment plans for CoolSculpting?

This is why Bodify has partnered with Cherry, a great financing company that has a strong relationship with CoolSculpting. We offer a variety of plans depending on your treatment plan and financing needs.

Who is not a good candidate for CoolSculpting?

CoolSculpting is a body contouring procedure — NOT a weight loss procedure. Sure, it removes fat layers, but only minimal amounts of stubborn fat. As such, it's not suitable for people who are overweight, obese or have large areas with excess fat layers.

Why is my stomach so big after CoolSculpting?

Swelling after CoolSculpting is a common occurrence because the procedure stimulates an inflammatory response as the body works to remove dead fat cells. Swelling can also be your skin's reaction to the cooling applicator.

How many sizes can you lose with CoolSculpting?

When you use a body contouring treatment such as CoolSculpting, you can usually reduce your clothing size by one to two pant sizes, or sometimes more depending on which areas of your body you are treating.