Save money using your HSA/FSA

Written By Suraj Shah

Often, your FSA and HSA accounts are used to pay for a variety of healthcare products and services for you, your spouse, and your dependents. According to the IRS, some of these expenses are eligible for reimbursement. One of those eligible expenses includes massage therapy.

Since the money deposited in these accounts is pre-taxed, there can be a potential savings of 30% towards your treatment. FSA account holders greatly benefit since their contributions expire at the end of the year.

Before you use your HSA/FSA for massage, you should check with your employer's HR department & insurance first to make sure you can use your card for massage—some accounts may require a letter of medical necessity (LMN)/prescription.

A few conditions that could qualify you for a massage prescription include:

  • overall pain management

  • lymphatic blockage

  • tendinosis/tendonitis

  • carpal tunnel syndrome

  • sciatica

  • frequent headaches

  • arthritis

  • fibromyalgia

  • anxiety & depression

  • chronic back pain

  • & more

Should you require a prescription from your doctor be necessary, be sure it specifies the duration of each visit (30, 60, 90 minutes) & visit frequency (1x/week, 2x/ month….etc). This will aid in properly tracking your visits and uphold the guidelines of the prescription. Lastly, if necessary, a comprehensive superbill can be provided upon request.

Now you can start using your HSA/FSA towards massage treatment! Don't forget to bring the debit/credit card for the account to your appointment.

Suraj Shah
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