Can I use my HSA for medical massage?

Asked by: Mariane Schmeler  |  Last update: July 14, 2025
Score: 4.9/5 (19 votes)

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.

Is medical massage covered by HSA?

If your massage therapy is medically necessary to treat a specific, diagnosed illness or injury, and not for general wellness purposes, you may be able to use the money in your health savings account (HSA) to pay for it, tax free.

Is med massager HSA eligible?

Yes, all MedMassager products are eligible. You can use your FSA or HSA card at checkout by selecting the Flex payment option.

Does massage count as a 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 a letter of medical necessity for HSA massage?

If a doctor recommends massage therapy as a medically necessary service that would benefit your condition, then it could be eligible for HSA or FSA coverage. Depending on your insurance plan, you may be required to obtain a Letter of Medical Necessity (LMN) to validate the clinical need for the service.

Using FSA and HSA for Massage

35 related questions found

Can you use HSA 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.

How do you prove medical necessity?

How is “medical necessity” determined? A doctor's attestation that a service is medically necessary is an important consideration. Your doctor or other provider may be asked to provide a “Letter of Medical Necessity” to your health plan as part of a “certification” or “utilization review” process.

Can I use my HSA at a medical spa?

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. Important Points to Remember: Pay for service: You can use your FSA or HSA card for payment at our spa without any issues.

How to get massage covered by health insurance?

How to get medical insurance to cover massage therapy
  1. Call to verify your insurance coverage for massage therapy. ...
  2. Get a prescription by clearly communicating to your doctor that you'd like massage therapy. ...
  3. Ask your doctor to prescribe massage for the most general diagnosis possible.

Are massage chairs HSA eligible?

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

Can I use my HSA for StretchLab?

StretchLab sessions are covered by tax-free HSA/FSA dollars! 🌟 Our clients are thrilled to discover they can use their HSA/FSA funds for personalized stretching sessions.

Can I use my HSA to buy a mattress?

According to the HSA Store, "A mattress expense is only eligible when its components and construction costs exceed those of a standard mattress for general health." To use your funds for a new mattress, you'll need to provide a letter of medical necessity (LMN) from a medical professional stating you have a medical ...

Is medical massage FSA eligible?

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 a chiropractor write a letter of medical necessity for massage therapy?

Yes, a physician or chiropractor can write a Letter of Medical Necessity for massage therapy if they determine it is essential for treating a specific condition. This letter is often required by insurers or for HSA/FSA eligibility to verify the medical need for therapy.

Can I use 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. For example, if your doctor prescribes prenatal vitamins during pregnancy or recommends vitamin D supplements to treat a deficiency, those could be eligible expenses under your HSA.

Can I use my HSA for prenatal massage?

Under IRS guidelines, prenatal massage can be a qualified medical expense using a Healthcare Savings Account (HSA) or Flexible Spending Account (FSA) if your healthcare provider recommends it with a written prescription. To find out more, talk with your HSA or FSA administrator and your healthcare provider.

Can I use HSA for massage?

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.

How much does a medical massage cost?

Medical massage therapy (also called myotherapy) costs about $100-150 per hour on average in the United States.

Is deep tissue massage covered by insurance?

Types of Massage Covered by Insurance

Some types of massage therapy, like deep tissue or sports massage, may be covered by insurance. This depends on the policy and medical needs. However, some types of massage, like Abhyanga Oil and Aromatherapy, usually aren't covered by insurance.

Can I use my HSA at Massage Envy?

o p u l e n c e on X: "Fun fact: you can use your HSA/FSA card to get massages at Massage Envy" / X.

Can HSA be used for gym membership?

Generally, the IRS doesn't allow pretax dollars in HSAs or FSAs for gym memberships. This is because they see them as expenses for general well-being rather than medical necessity. However, with a Letter of Medical Necessity (LMN), your HSA or FSA could be used to fund those expenses.

Can I use my HSA for a medical pedicure?

For pedicure services that qualify as medical or wellness treatments (such as medical pedicures), clients can often use HSA or FSA funds to cover the cost, reducing their out-of-pocket expenses.

How to get a letter of medical necessity for massage therapy?

How do I get a medical necessity letter for massage therapy? Talk to your primary care provider. In many HMOs and other health plans, this doctor is the one who must authorize the referral. Discuss medical necessity with the doctor.

Why would a claim be denied for medical necessity?

However, many denied claims are caused by administrative issues, including claims being miscoded or submitted without the documentation needed to meet the payer's medical necessity requirements.

How to get a letter of medical necessity for HSA?

Consult with your healthcare provider and share your condition, diagnosis and any relevant medical history. Ask your healthcare provider to issue a letter of medical necessity for the treatment or service you're seeking. Check the letter for accuracy and completeness, making sure it aligns with your specific needs.