Yes, it's true! You can use your Health Savings Account (HSA) and Flexible Spending Account (FSA) funds to pay for massage. But it depends on your insurance carrier along with specific IRS guidelines. *Note: this is NOT insurance billing.
So how can you use HSA/FSA for massage?
The treaments must be approved and prescribed by a physician, and must be for a specific condition. Some examples of medical conditions may include back pain, arthritis, anxiety, depression, and pain management. What about the fertility massages or prenatal massages? If your provider decides massage can help, he/she can write a prescription for that as well.
To get started using your funds for massage:
First, visit your primary care provider or physician and let him/her know you are seeking massage therapy for a medical condition. After being evaluated, if your physician approves, they should write a prescription for massage as a medical necessity.
This information has to be on your prescription:
- why it is medically necessary: what conditions are being alleviated or prevented? (example: pregnancy-related back pain)
- number of sessions per month or frequency of visits. (example: 2 sessions per month or weekly sessions)
- how long treatment should be provided. (example: 4 months)
Once you receive your prescription, keep it with your tax documents. It isn't necessary to give me a copy but it is required in case you need to verify the expense to the IRS. I will provide a receipt after each session, which you should keep with your prescription, as proof of treatment.
To use your HSA/FSA card, you must have funds in the account. I will charge the card BEFORE the start of the session to ensure it is approved. If the charge is not approved, you must be prepared with an alternate form of payment. So make sure you check your HSA/FSA coverage before your appointment.
Alternately, if you don't have an debit card with your HSA/FSA account, you can use your prescription and massage receipts for reimbursement from your insurance or HSA provider. *Note: This is NOT insurance billing. You must pay out of pocket for your session and request reimbursement after. I am not responsible for any reimbursement denials, so make sure you have your written prescription BEFORE your making any massage appointments.
This is why keeping your prescription and massage receipts are important. Always follow your plan guidelines regarding qualified medical expenses. I can't answer if you are covered or not, only your plan provider can tell you that. I am coded to accept HSA/FSA cards for plans that are covered.
If you've done all this and are approved to use your fund for massage, schedule your session and complete your intake indicating the condition you will be seen for. Add in the notes if you will be using your HSA/FSA funds to pay for your massage AND if you have your written prescription. Also include if you will be using a debit card associated with your account, as mentioned before I will charge this BEFORE the start of the session to ensure authorization.