Can I use my HSA card for speech therapy?

Asked by: Kitty Gerhold  |  Last update: May 30, 2025
Score: 4.5/5 (55 votes)

​Can I use my Health Spending Account (HSA) to pay for speech therapy? AYes, you can use your HSA to pay for speech therapy, provided it is conducted by a credentialed Speech Therapist or Speech Pathologist. The therapist's credentials must be included on the receipt to qualify for reimbursement.

Can I use HSA to pay for speech therapy?

Speech therapy is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA). They are not eligible for reimbursement with dependent care flexible spending accounts and limited-purpose flexible spending accounts (LPFSA).

Can I use HSA for talk therapy?

Yes. You can use an HSA to cover some mental health expenses, including therapy to treat a diagnosed mental condition. However, therapy that isn't specifically designed for medical or mental health needs — like marriage or family counseling — often won't qualify for HSA coverage.

What can an HSA not be used for?

Generally, you can't use your HSA to pay for expenses that don't meaningfully promote the proper function of the body or prevent or treat illness or disease. Nutritional supplements and weight loss programs not prescribed by a physician are examples of expenses that would not be covered by your HSA.

Does health insurance cover speech and language therapy?

Many insurance plans, like Medicaid, Medicare, or employer plans, cover speech therapy if it's “medically necessary.” For example, speech therapy may be covered if it's needed for a speech disorder caused by a medical condition or injury. But coverage, session limits, and approval rules can vary a lot.

What Can the HSA Debit Card Buy? (What Can You Purchase with HSA Funds?)

22 related questions found

Why would insurance deny speech therapy?

Since speech therapy can last months or even years, many insurers sometimes try to avoid paying. Insurance companies generally do this by stating that speech therapy is not medically necessary.

Is speech therapy considered medical or behavioral health?

Speech therapy is often considered a form of rehabilitative therapy and may be covered under medical insurance plans.

Will HSA pay for gym membership?

Gym memberships. 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.

What is the downside of an HSA?

Drawbacks of HSAs include tax penalties for nonmedical expenses before age 65, and contributions made to the HSA within six months of applying for Social Security benefits may be subject to penalties. HSAs have fewer limitations and more tax advantages than flexible spending accounts (FSAs).

Is it illegal to use HSA money for anything?

You generally can't use HSA funds to pay premiums. Once you turn 65, you can use the money in your HSA for anything you want. If you don't use it for qualified medical expenses, it counts as income when you file your taxes.

How do I pay my therapist with my HSA card?

Using your HSA to pay for therapy and counseling is simple. You can pay for services directly from your HSA account. All you need to do is present your HSA debit card to your provider. Your HSA plan administrator will track your expenditures.

Can I use my HSA for massage therapy?

When it's a medical necessity for a specific condition, massage may be eligible for reimbursement. The service can be covered by a health savings account (HSA), or a flexible spending account (FSA).

Can you use HSA for dental?

Your HSA also covers expenses for standard dental cleanings and dental check-ups. One thing to keep in mind is that some of these procedures may have a co-payment, so it's important that you check with your dental insurance provider to find out exactly what you'll have to pay out of pocket.

Is talk therapy covered by HSA?

Start seeing a therapist

The good news is mental health therapy, including virtual appointments, is an HSA eligible expense. You can use your HSA to directly pay for your sessions or you can pay out of pocket and reimburse yourself to get your tax savings later.

Is speech therapy a deductible medical expense?

Yes, as a medical expense on Sch A if you itemize. But your total medical expense has to be greater than 10% of your AGI to get any deduction.

Is baby car seat HSA eligible?

Car Seats: HSA Eligibility

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

When should you not use an HSA?

HSAs might not make sense if you have some type of chronic medical condition. In that case, you're probably better served by traditional health plans. HSAs might also not be a good idea if you know you will be needing expensive medical care in the near future.

Do I ever lose my HSA money?

Myth #2: If I don't spend all my funds this year, I lose it. Reality: HSA funds never expire. When it comes to the HSA, there's no use-it-or-lose-it rule. Unlike Flexible Spending Account (FSA) funds, you keep your HSA dollars forever, even if you change employers, health plans, or retire.

Should I put a lot of money in my HSA?

Because HSAs come with several tax benefits that could save you money, you may want to consider contributing as much as you can to your HSA.

Is the Apple Watch covered by HSA?

Even though Fitbits and Apple Watches measure important health data, they currently do not qualify for HSA reimbursement, as they are considered for general health use and not intended to treat or manage a specific medical condition.

Can I use HSA for glasses?

Yes! You can definitely use funds from your flexible spending account (FSA) or health savings account (HSA) to purchase prescription glasses. (FSAs and HSAs can be used for many other vision- and eye health-related expenses, too, but we'll discuss that more in a bit.)

Can I use my HSA for vitamins?

In general, vitamins are not considered an HSA eligible expense unless they are prescribed by a doctor for a specific medical condition.

Is speech therapy covered by HSA?

Speech therapy is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA). They are not eligible for reimbursement with dependent care flexible spending accounts and limited-purpose flexible spending accounts (LPFSA).

Which of the following is excluded for speech therapy service?

Anything considered “educational,” such as a reading disorder or dyslexia, or services considered “maintenance” in nature is almost always an exclusion.