IRS PUBLICATION 502

Your inspection may be FSA/HSA eligible

The IRS allows home environmental inspections as a medical expense — when paired with a signed Letter of Medical Necessity from a licensed provider. Canary handles both in one workflow.

What qualifies under IRS Publication 502

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Professional mold and air quality inspections

When ordered as part of diagnosing or treating a respiratory or allergy-related condition.

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Mold remediation and environmental cleanup

Remediation costs are eligible if medically necessary, documented by a provider.

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Medical-grade air purifiers and filtration

Devices prescribed for asthma, COPD, or allergies are considered medical equipment.

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Radon, lead, VOC, and combustion gas testing

Exposure identification that directly informs a treatment plan qualifies as a medical expense.

The key requirement: a signed Letter of Medical Necessity (LMN) from a licensed healthcare provider connecting your symptoms to the inspection. Without an LMN, the expense is generally not reimbursable.

What Canary provides

1

Certified environmental inspection

Book a licensed inspector for mold, air quality, radon, lead, or VOC testing at your home.

2

Health questionnaire reviewed by a licensed provider

Answer a short medical intake form. A Canary-affiliated provider reviews your symptoms and signs the LMN.

3

FSA/HSA Reimbursement Package — ready to submit

Download a single PDF with your signed LMN, itemized receipt, and step-by-step submission guide for your administrator.

How to submit to your FSA/HSA administrator

HealthEquity

  1. Log in at healthequity.com and go to Reimbursements > File a Claim.
  2. Select expense type: Medical — Home Improvement / Environmental Testing.
  3. Upload your Canary FSA/HSA Package PDF. Submit.

Optum Bank

  1. Log in at optumbank.com and navigate to Claims & Reimbursements.
  2. Choose Submit a Claim and select Medical Expense.
  3. Attach the Canary FSA/HSA Package. Allow 5–7 business days for processing.

WageWorks / HealthHub

  1. Log in at wageworks.com (or myhealthhub.com).
  2. Go to File a Claim and choose Health Care FSA.
  3. Upload or fax (+1-877-353-9236) the LMN and receipt with your Employee ID on the cover sheet.

BenefitWallet

  1. Log in at portal.benefitwallet.com and select Submit Claim.
  2. Choose Medical Expense and enter the service date and amount.
  3. Upload the Canary FSA/HSA Package. Reimbursement typically issues within 5 business days.

Keep all records. Retain your Canary FSA/HSA Package for a minimum of three years. The IRS may request substantiation during an audit of HSA/FSA claims.

Ready to get started? Book an inspection and we'll handle the LMN in the same workflow.

Book an Inspection

Questions? Email support@canaryhealth.com