HSA or FSA for Medical Massage Therapy
We are committed to making massage therapy as accessible and affordable as possible. Many of our patients use Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) to pay for their sessions—often in combination with superbills to maximize their reimbursement.
What Are HSAs and FSAs?
HSA (Health Savings Account) – A tax-advantaged savings account used to pay for qualified medical expenses. You must be enrolled in a high-deductible health plan (HDHP) to contribute to an HSA. Funds roll over year to year.
FSA (Flexible Spending Account) – An employer-sponsored benefit that also allows you to use pre-tax dollars for eligible healthcare expenses. Funds generally must be used within the plan year or grace period.
Both types of accounts are excellent tools for covering the cost of therapeutic massage when it’s medically necessary.
Can I use my HSA or FSA for Massage Therapy?
Yes, with a prescription.
Most HSA and FSA plans require a doctor’s note or prescription to approve massage therapy as a qualified medical expense. The prescription should:
– Indicate that massage therapy is medically necessary
– Include a diagnosis code (ICD-10)
– Specify treatment frequency and duration
This documentation validates that your sessions are for a legitimate health condition—not just relaxation—and keeps your use of funds compliant with IRS rules.
Common qualifying conditions include:
-Chronic pain
-TMJ dysfunction
-Sciatica
-Migraines or tension headaches
-Anxiety or stress-related conditions
-Sports injuries or recovery
How to Use Your HSA or FSA at Our Clinic:
- Obtain a prescription or referral from your primary care provider, chiropractor, or another licensed medical professional.
- Pay for your sessions using your HSA/FSA card (we accept both).
- Keep your receipts and documentation. If requested, we can provide:
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- Itemized receipts
- Superbills (if needed for backup documentation)
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Copies of your provider’s license and NPI number
We recommend keeping a copy of your prescription on file in case your HSA/FSA administrator requests it during an audit or expense review.
Using an HSA or FSA Combination with a Superbill:
Many of our patients combine their HSA/FSA funds with superbills to get the most out of their benefits. Here’s how:
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Use your HSA/FSA card to pay upfront.
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Submit the superbill to your insurance company for out-of-network reimbursement.
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If your insurance reimburses you, the funds go directly to you—even though the session was originally paid with HSA/FSA funds.
Note: Not all insurance plans allow this dual reimbursement, so it’s important to check with your insurance provider and your HSA/FSA plan administrator.
Benefits of Using HSA and FSA Funds:
1.Tax Savings
You’re using pre-tax income to pay for health-related services.
2.Budget-friendly
Many patients set aside funds throughout the year to cover wellness needs.
3.Flexible
You can apply funds to a wide range of medical expenses beyond just massage therapy.
We’re Here to Help
We’re happy to walk you through the process of using your HSA/FSA or combining them with a superbill submission. Whether you’re new to these benefits or a seasoned user, our team is here to support you every step of the way.