Your FSA and HSA funds can cover Oova's at-home hormone kits, and most women don't know it. This guide explains why hormone testing qualifies as an HSA/FSA eligible expense, how to pay through Truemed at checkout, and which Oova kit is right for your goals, whether you're tracking fertility, navigating perimenopause, or trying to understand symptoms your doctor hasn't been able to explain.
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Your FSA and HSA funds can cover Oova's at-home hormone kits, and most women don't know it. This guide explains why hormone testing qualifies as an HSA/FSA eligible expense, how to pay through Truemed at checkout, and which Oova kit is right for your goals, whether you're tracking fertility, navigating perimenopause, or trying to understand symptoms your doctor hasn't been able to explain.
If you've been putting off hormone testing because of cost, here's something worth knowing: your FSA or HSA funds can likely cover it, and using pre-tax dollars means qualified customers save an average of 30%.
Oova's at-home hormone kits are FSA and HSA eligible through our partnership with Truemed. Here's exactly why they qualify, how to pay, and what to know before you check out.
What Are FSA and HSA Accounts?
A Flexible Spending Account (FSA) and a Health Savings Account (HSA) are both pre-tax benefit accounts designed to help you pay for qualified medical expenses. The key difference: HSAs roll over year to year and are tied to high-deductible health plans, while FSAs are use-it-or-lose-it and offered through most employer benefit plans.
Both can be used for products and services that treat or prevent a diagnosed medical condition, which is exactly where hormone testing comes in.
Why Hormone Tests Qualify as FSA/HSA Eligible
The IRS defines eligible medical expenses broadly: products used to diagnose, treat, or monitor a medical condition generally qualify. Hormone testing falls squarely in that category.
Whether you're tracking ovulation to support conception, monitoring estrogen and progesterone during perimenopause, or trying to understand patterns behind symptoms like fatigue, irregular cycles, or brain fog, this is diagnostic healthcare, not lifestyle spending.
Oova measures three key hormones: estrogen (E3G), luteinizing hormone (LH), and progesterone (PdG). These are the same hormones measured in clinical settings, with 99% blood-test accuracy, from home. That clinical-grade standard is part of why Oova qualifies.
How to Pay for Oova with Your FSA or HSA
Oova processes HSA/FSA payments through Truemed, a licensed platform that connects qualified customers with pre-tax health benefits. Here's how it works at checkout:
- Add your kit to cart and proceed to checkout
- Under Payment Method, select "Pay Another Way" → "TrueMed HSA/FSA"
- Enter your HSA or FSA card details like any other payment method
- Make your purchase, you'll receive a confirmation email
If you pay by credit or debit card, Truemed will walk you through the reimbursement process after your purchase.
You can visit our HSA/FSA page for step-by-step instructions and to see which kits are eligible.
Which Oova Kits Are Eligible?
All three Oova hormone kits, Perimenopause, Fertility, and Hormone Optimization, are FSA and HSA eligible for qualified customers.
Perimenopause kit: Tracks estrogen, LH, and progesterone daily to help you understand where you are in your transition, whether your HRT is absorbing, and what's driving the symptoms you're feeling. If you've been navigating figuring out whether your HRT dose is right or you're in the first 90 days of HRT, daily hormone data makes those questions answerable.
Fertility kit: Measures the same three hormones to confirm ovulation, identify your fertile window, and reveal patterns that a standard OPK can't. If you've ever wondered exactly how long ovulation lasts, and whether you actually caught it, Oova gives you the quantitative data to know for certain.
Hormone Optimization kit: Designed for women who have symptoms but no clear diagnosis. If you've been told your hormones look normal but you still feel terrible, this kit is built to surface the patterns your standard labs miss. It's also where understanding the difference between low and high progesterone symptoms moves from abstract to personal.
A Note on Eligibility
FSA and HSA eligibility is determined on an individual basis. Truemed works with licensed providers who review a short health survey to confirm your eligibility before processing payment. Most customers receive their Letter of Medical Necessity within 12 hours.
Not all purchases qualify, eligibility depends on your health situation and account type. Truemed's process is designed to make this straightforward and compliant.
Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures.
Why This Matters
Cost is one of the most common reasons women delay hormone tracking, and delay means more time without data, more appointments without answers, more months wondering whether what you're feeling is real.
Your HSA and FSA accounts exist for exactly this kind of expense. Hormone data is healthcare. Using pre-tax dollars to access it isn't a workaround, it's what those accounts are designed for.
About the author

Sources
- IRS Publication 502: Medical and Dental Expenses, irs.gov/pub/irs-pdf/p502.pdf
- Truemed eligibility and compliance guidelines, truemed.com/disclosures
- Oova clinical validation: 99% accuracy vs. blood-test reference standard, oova.life/research
- IRS HSA qualified medical expenses guidance, irs.gov/publications/p969
About the Oova Blog:
Our content is developed with a commitment to high editorial standards and reliability. We prioritize referencing reputable sources and sharing where our insights come from. The Oova Blog is intended for informational purposes only and is never a substitute for professional medical advice. Always consult a healthcare provider before making any health decisions.


