Can I use my FSA for medical massage?

Asked by: Danny Reynolds  |  Last update: October 31, 2025
Score: 4.3/5 (52 votes)

Pay with Your FSA or HSA: Once you have the prescription, you can pay for your massage therapy directly with your FSA or HSA debit card. If your provider doesn't accept these cards, you can pay out of pocket and submit a claim for reimbursement.

Is a massage covered by FSA?

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.

Is med massager FSA eligible?

Registered massage tools like those from MedMassager are eligible for most HSA/FSA plans.

Do massages count as a medical expense?

Massages may be tax deductible if prescribed as a treatment for musculoskeletal disorders such as tendonitis, arthritis, carpal tunnel syndrome, or fibromyalgia. If a licensed medical practitioner prescribes massage therapy to address musculoskeletal issues, it can be tax-deductible as a medical expense.

Can FSA be used for medical spa?

Using FSA and HSA Medical Cards for a Massage:

These accounts offer a tax-advantaged way to pay for qualified medical expenses, including certain spa treatments, enhancing your overall wellness while managing your healthcare budget effectively.

Using FSA and HSA for Massage

27 related questions found

Can you use FSA for medical pedicure?

A pedicure is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).

Can an FSA be used for medical?

Flexible spending account (FSA): A benefit plan that lets people put money aside in special accounts, pre-tax, to help pay for certain medical costs, child care, and other health services.

Is massage considered medical treatment?

This is just a small number of allied healthcare workers, and some estimates state that up to 60% of employees in healthcare are in allied care. So, by definition, massage therapy is part of healthcare services, and massage therapists are medical professionals.

Will medical pay for massage therapy?

Medical companies cover medical procedures and will not cover luxuries such as massage that is not prescribed by a doctor. If you do not have a medical need for massage therapy and are only seeing a massage for enjoyment, then you will not be covered by medical insurance.

Can I get reimbursed for massage?

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).

Can I use FSA to buy a massage gun?

A massage gun is a device that may ease muscle tension. Money in your health savings account (HSA) and flexible spending account (FSA) may be used to pay for percussion massage guns like a Theragun if they're used for medical purposes.

What are FSA eligible expenses?

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 I use my FSA at Massage Envy?

Does Massage Envy take insurance? No, Massage Envy does not accept insurance; however, they do accept HSA/FSA debit cards. They also offer an introductory rate of $60 for a 60-minute session or $90 for a 90-minute session for first-time customers.

What is the FSA letter for massage therapy?

In this note, your doctor will detail the health condition you're experiencing and explain why massage should be a necessary part of your management or recovery plan. Your Letter of Medical Necessity serves as official permission to use your FSA funds for massage by declaring massage medically necessary.

Is medical massage covered by HSA?

Your HSA can pay for massage therapy, though you'll likely need a letter of medical necessity (LMN) from your doctor. An LMN states what condition the treatment is for, how many sessions you need, and any other relevant details. An HSA may also be used on alternative or holistic treatments, such as: Massage therapy.

Can I use FSA for gym?

Thanks to The Smart Fit Method's new partnership with Truemed, you can now spend your FSA/HSA money on supplements and even your gym membership! Applying for the program is easy. Keep reading for more information about how to access your pre-tax FSA/HSA money and use it towards the medicine of fitness.

Can I use my FSA card for massages?

Pay with Your FSA or HSA: Once you have the prescription, you can pay for your massage therapy directly with your FSA or HSA debit card. If your provider doesn't accept these cards, you can pay out of pocket and submit a claim for reimbursement.

Does massage count as medical expense?

For instance, if your doctor prescribes massages to help recover from an injury or manage a chronic condition, you may be able to include these costs in your medical expense deductions. Keep in mind that the IRS requires that these expenses exceed 7.5% of your adjusted gross income before you can claim them.

What is the difference between massage and medical massage?

Although medical massage may use some of the same techniques as other types of massage, the main difference between medical massage and other massage types is that medical massage has a focused approach to specifically address a physician-diagnosed issue.

Is massage therapy covered by medical insurance?

While it depends on your specific insurance plan, many insurance companies will cover massage therapy if a doctor prescribes it for a medical condition. If you have a condition such as chronic pain or a muscle injury, your massage therapy sessions may be covered under your insurance plan.

What is another name for a medical massage?

Therapeutic massage is another term that is often used interchangeably with medical massage. However, there are some subtle differences between the two. Therapeutic massage is a broad term that encompasses any type of massage that is designed to promote healing and well-being.

What is an example of a medical treatment case?

Some good examples of this last and most subtle category of medical treatment cases include: Use or prescription medication beyond a single dose administered on a first visit or minor injury. More than one (visit) therapeutic treatment including physiotherapy or chiropractic. Stitches or sutures.

What services are FSA eligible for?

Categories of FSA-eligible expenses
  • Health insurance copayments, office visits, co-insurance payments, and deductibles.
  • Dental work.
  • Vision expenses, eyeglasses, and prescription contact lenses.
  • Prescriptions.
  • Therapy and counseling services (may require an LMN; marriage or family counseling is not eligible)

What can FSA not be used for?

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. Reimbursements for insulin are allowed without a prescription.

Can you use FSA for therapy?

Is therapy covered by an FSA? Yes, FSAs generally do include therapy as an eligible expense. But certain factors determine this, such as the type of therapy, type of provider, and medical necessity considerations. Every FSA plan can vary in terms of coverage, so it's best to check the details of your specific plan.