Can I pay for physical therapy with my FSA card?
Asked by: Dr. Ford O'Keefe | Last update: December 12, 2025Score: 4.8/5 (39 votes)
Can I use my FSA card for physical therapy?
Both FSAs and HSAs can be used for certain out-of-pocket health care expenses, and physical therapy costs are one such expense. You can use FSAs and HSAs to pay for deductible costs and co-pays, but not insurance premiums.
Can I use a FSA card to pay for therapy?
FSA benefits help you pay for most health care services, including therapy, using pre-tax dollars.
What does an FSA not cover?
You can spend FSA funds to pay deductibles and copayments, but not for insurance premiums. You can spend FSA funds on prescription medications, as well as over-the-counter medicines with a doctor's prescription.
Can I use my FSA to pay for gym membership?
While some companies and private insurers may offer discounts on gym memberships, you generally can't use your FSA or HSA account to pay for gym or health club memberships. An exception to that rule would be if your doctor deems fitness medically necessary for your recovery or treatment.
Can I use FSA or HSA to pay for my chiropractic care?
Can I pay for massage with FSA?
Massage Therapy may be eligible for reimbursement with a Letter of Medical Necessity (LMN) with flexible spending accounts (FSA), health savings accounts (HSA) and health reimbursement arrangements (HRA).
Is Planet fitness FSA eligible?
Can you use flexible spending account (FSA) funds to pay for a gym membership or exercise classes? Typically, no. The Internal Revenue Service (IRS) usually doesn't allow funds from an FSA to pay for membership dues at health clubs or gyms.
What is a disadvantage of an FSA?
However, there are also some disadvantages to be aware of. One of the best known is the “use it or lose it” feature. Any amounts contributed to an account and not spent by the end of the year are forfeited to the employer. However, an IRS ruling issued a few years ago softened this deadline considerably.
Is toilet paper FSA eligible?
Here are examples of items and expenses that are not FSA-eligible for 2024: General health items: toiletries like toothpaste, toilet paper, or shampoo, cosmetic products, vitamins and supplements (without a prescription) Non-medical equipment: car seats, strollers, non-medical exercise equipment.
Are vitamins FSA eligible?
With this IRS definition in mind, while daily multivitamins are not FSA/HSA eligible, there are some types of vitamins that are eligible with consumer-directed healthcare accounts.
What can I pay for with my FSA?
Allowed expenses include insurance copayments and deductibles, qualified prescription drugs, insulin, and medical devices. You decide how much to put in an FSA, up to a limit set by your employer. You aren't taxed on this money.
Can you pay for IV therapy with FSA?
YES, IV THERAPY IS ELIGIBLE FOR FSA. If you have a Flexible Spending Account (FSA for short), chances are, time is running out for you to burn that cash before you lose it. Yep, that's right. If you don't spend your FSA money by the end of the grace period, you lose it.
Can I use my FSA card to pay for therapy?
You can use your FSA or HSA to pay for a wide range of mental health services and costs, including: Mental health counseling. Psychotherapy. Behavioral health modification.
Is gym equipment FSA?
If you have a letter from a medical professional stating that exercise equipment is a medical necessity, your FSA can cover it. They can pay for equipment like treadmills, weights, and resistance training equipment.
Can I use FSA for chiropractor?
An FSA lets you pay for many different services. Alternative medicine such as chiropractic care is one such service that qualifies for FSA reimbursement. A chiropractic visit, exam, or treatment would then be covered by an FSA as long as the purpose is to treat a medical condition and not for general good health.
Is FSA really worth it?
Value of an FSA
An FSA helps you pay for things you likely already buy but allows you to purchase them tax-free. There are hundreds of eligible expenses for tax-free purchases with your health care FSA funds, including prescriptions, doctor's office copays, health insurance deductibles, and coinsurance.
What happens to FSA if you don't spend it?
The IRS created the ""use or lose"" rule, which states that all money left in your FSA is forfeited after the benefit period ends . If you don't use all of your FSA funds during the benefit period, you risk losing money.
Do I have to report my FSA on my taxes?
One of the great things about an FSA is that you generally do not have to report it on your tax return. You make contributions to your FSA with pretax dollars, which means they are deducted before taxes and reduce your taxable income.
Can you use FSA for physical therapy?
One way to make physical therapy more affordable is to use a Flex Spending Account (FSA). You can use many FSAs for physical therapy pre-screenings, treatment sessions, and products. Using your FSA presents another route to savings if your insurance coverage isn't what you expected.
Is my gym membership FSA eligible?
So, can you use your HSA or FSA to pay for gym memberships or health club dues? The short answer is yes, but you need a Letter of Medical Necessity.
Is sunscreen FSA eligible?
You can use your flexible spending account (FSA) to buy broad-spectrum sunscreens with a minimum SPF of 15 using pretax dollars. A variety of items that offer sun protection, including lip balms, lotions, and moisturizers, might also qualify for these funds. Many FSA plans offer debit cards to make using funds easier.
Does FSA pay for massage?
If you have a Flex Spending Account (FSA), you may not be aware that Massage Therapy can qualify as a medical expense. If massage therapy services are prescribed by your physician then you can use your FSA account to pay for these services.
Can I use FSA for dental?
Flexible spending accounts (FSAs) allow employees to make tax-free contributions for various medical or dental expenses. Distributions are free, provided they are used for qualified medical expenses. In most circumstances, you can use your FSA for non-cosmetic dental procedures.
Does FSA cover peloton membership?
You can't directly pay for membership costs with your HSA/FSA card, but if you receive a Letter of Medical Necessity (LMN) from Truemed or an applicable licensed medical professional and are eligible for reimbursement, you may be able to apply your HSA/FSA funds to the cost of a Peloton Membership while the LMN is ...