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Navigating FSA-eligible Diagnostic Testing Options: Lab and At-Home Testing

In the ever-evolving landscape of healthcare, consumers are increasingly seeking convenient and accessible diagnostic lab testing options outside of insurance coverage. This guide explores at-home and in-lab solutions from companies like LabCorp and Quest Diagnostics, offering flexibility through paying out-of-pocket or using FSA and HSA cards. Learn about the top tests, costs, and considerations to empower your health choices.


In the pursuit of proactive health management, LabCorp, Quest Diagnostics, and similar companies have expanded their offerings to include at-home and in-lab testing options. Understanding the available tests is crucial, as knowing what’s available by going directly to the lab can save you time and money. 

Traditional Diagnostic Testing Centers (LabCorp and Quest Diagnostics)

Both LabCorp and Quest Diagnostics are reputable companies and are leaders in the diagnostic testing space. FSAGuide readers can be at ease choosing either provider benefits of using LabCorp or Quest Diagnostics:

    • Provides a comprehensive range of diagnostic tests, covering everything from routine bloodwork to more specialized tests.
    • National network of labs across the united states
    • State of the art, advanced technology and innovation from one of the leaders in the space
    • Online access to results and ability to share with doctor or add to Apple HealthKit
    • LabCorp and Quest Diagnostics both work with a variety of insurance providers and accepts credit card, flexible spending account cards (FSAs), and health savings account cards (HSAs)
    • LabCorp is offering $10 off your purchase now through the end of the year, click here now! 
Some FSA and HSA-eligible tests that you will find going to a lab in-person: 

At-Home Testing Options

  • Convenience at Your Doorstep:
    • At-home testing has revolutionized healthcare, offering the convenience of sample collection at home.
  • Top At-Home Tests:
    • Explore popular at-home test kits, from FSA-eligible DNA testing to comprehensive wellness panels, providing flexibility for various health needs.

Buying At-home tests with FSA Card

  • Eligible Tests with FSA and HSA Cards:
    • Certain diagnostic tests, such as thyroid function and A1c tests, are FSA- and HSA-eligible, providing a convenient payment option for individuals seeking specific diagnostics.
  • Online Acceptance:
    • Check which services and at-home test kit providers accept FSA and HSA cards for payment, streamlining the payment process for those managing their health expenses.
    • Retailers like CVS and Walgreens sell at-home diagnostic kits online and in-store, and accept the card as well. You can find more recommendations over at our retailer guide.

Cost Comparison and Considerations

  • Cash-Based Testing:
    • Cash-based testing provides transparency in pricing, empowering individuals to know and control their out-of-pocket expenses outside of insurance coverage.
  • Affordability and Accessibility:
    • At-home testing options are often more affordable and accessible, especially for those without insurance or utilizing FSA and HSA card

Pros and Cons Comparison

  • Traditional Testing Centers:
    • Pros: Wide range of tests, professional oversight, potential insurance coverage.
    • Cons: Potential for higher costs, dependence on insurance, scheduling inconveniences.
  • At-Home Testing:
    • Pros: Convenience, privacy, targeted testing, potential cost savings, FSA and HSA card acceptance.
    • Cons: Limited test offerings, potential for user error.

Is 23andMe FSA and HSA eligible?

Yes, 23andMe now has test kits that may be eligible with your FSA card or HSA card. 

23andMe Health-only Service

More than 65 personalized reports on your health and wellness. Get meaningful genetic insights that are 100% FSA & HSA eligible. See how genetics can influence your chances of developing certain health conditions.* Find out if you’re a carrier for certain inherited conditions*. Discover what your DNA has to say about your well-being and how it can influence certain lifestyle factors like diet, exercise, and sleep.


In the dynamic landscape of diagnostic lab testing, choices abound. LabCorp, Quest Diagnostics, and other companies offer diverse options, each with its unique benefits. Consider your health priorities, budget, and preferences when navigating between traditional centers and at-home testing solutions, especially when utilizing FSA and HSA cards for eligible tests.`

Explore the offerings of LabCorp, Quest Diagnostics, and other reputable providers that accept FSA and HSA cards. Be proactive about your health by choosing the testing options that align with your needs, FSA and HSA eligibility, and circumstances. Whether it’s the comprehensive services of traditional centers or the convenience of at-home testing, take charge of your health journey.

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