Navigating HSA eligibility for lipo?
My shoulders and arms have always been disproportionate to the rest of my body. Even at the point in my life where I was a young, competitive athlete training twice a day (sport + weights or cardio sessions) I never looked lean or fit. I have always appeared much larger than my numerical weight.
I stopped competing a while back and hit my highest adult weight a year ago. I took measurements of my full body at that time. I have since lost almost 30lbs and I'm now at the lowest weight of my adult life, but my arm and shoulder measurements are only 0.25" and 0.5" smaller than they were at their largest. The rest of my measurements have reduced considerably. My BMI is now down to 18.5, I still don't look lean (just sick!) and I literally can't lose any more weight but I've still got these massive, jiggly arms. It's not muscle.
I can feel very distinct and obvious hard "rice granule" type nodes in my arms and deeper in my thighs. Both areas bruise easily. I strongly suspect I am Stage 1 and have made an appointment to be assessed at a local lipedema clinic.
I've been so insecure in my body my entire adult life because of my arms. Finding a shirt that fits right is impossible and I hate being stuck wearing long sleeves all summer. I've read the horror stories from folks that were actually physically disabled by their lipedema still unsuccessfully fighting to get their surgery covered, so I know I basically have zero shot with mine being comparatively "minor."
I want to get lipo. It's not even necessarily out of my price range at a normal clinic, but I've read some horror stories here and elsewhere about going to doctors without lipedema experience. The ones with experience are bananas expensive by comparison.
One way I was considering cutting the expense was putting some money into an HSA, but I've never used one before and I'm not familiar with how they determine what a qualifying medical expense is. Just because my insurance doesn't consider it medically necessary or covered by my plan, that doesn't mean it isn't. I know the HSA doesn't necessarily "verify" each and every expense, but I imagine there's a chance I could be audited by the IRS and I would need to provide documentation about the procedure. I'm not sure what is taken as "proof" of medical necessity, especially with procedures that are known more for being "cosmetic." Is having an LMN enough?