Can I use my HSA for physical therapy?
Asked by: Gabriella Bradtke | Last update: January 20, 2026Score: 4.4/5 (65 votes)
Does my HSA cover physical therapy?
Pipeline Physical Therapy Blog Can I use my HSA/FSA/HRA insurance benefits for Physical Therapy? YES, you can! This post details information about the many options offered by insurance companies through your employer.
Can I use my HSA for therapy sessions?
Can I use my HSA for 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.
Can I use my HSA to cover my 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 my HSA to pay for a 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.
Can You Use HSA For Physical Therapy? - Orthopedic Support Network
Can I use my HSA for a chiropractor?
HSAs can be used for large and small qualified medical expenses. You can use your HSA for ongoing medical services and treatments, like chiropractic care, acupuncture, or physical exams. Medical copays, deductibles, and coinsurance can also be covered under an HSA.
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 HSA to buy Apple Watch?
Why other fitness trackers don't qualify. 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 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.
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 you pay for IV therapy with HSA?
The answer is yes, you can use your HSA funds to pay for IV therapy, given that the treatment is considered a qualified medical expense. However, it's crucial to keep in mind that not all IV therapy services may be eligible for reimbursement.
Do HSA funds expire?
Your HSA contributions don't expire. The money stays in the HSA until you use it.
Can I use the HSA for calm app?
Get a year of Calm Premium with your qualifying HSA/FSA funds. You'll save up to 40% on your purchase!
Can you use HSA for therapy sessions?
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The good news is mental health therapy, including virtual appointments, is an HSA eligible expense.
Can you use HSA for vet bills?
The short answer is yes, you can use your HSA for veterinary expenses. Under current IRS guidelines, eligible medical expenses include those that are primarily for the prevention or alleviation of a physical or mental defect or illness.
Can I use my HSA to buy exercise equipment?
The majority of fitness equipment and gym memberships and fitness classes can be covered by your FSA/HSA funds, but you'll need your doctor to fill out a Letter of Medical Necessity to use the funds to purchase them.
Can I use HSA for massage?
Generally, HSAs cover treatments that are considered medically necessary, and massages are no exception.
Are tampons HSA eligible?
With the passage of the CARES Act in March 2020, tampons and other menstrual care products are now fully FSA-/HSA-eligible. According to the text of the bill, menstrual care products include, “tampon, pad, liner, cup, sponge, or similar product used by individuals with respect to menstruation…”
Is deodorant HSA eligible?
Deodorant reimbursement is not eligible 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 I pay my gym membership with HSA?
Gym memberships are generally not considered qualified medical expenses under IRS guidelines. While physical fitness is important, gym memberships are typically viewed as personal or recreational expenses rather than a medical necessity. So using HSA funds for them could result in taxes and penalties.
Can skincare be purchased with HSA?
This means that any skin care costs that count towards your deductible, such as prescription medications or dermatologist visits, can be paid for using HSA funds.
Can I buy Gatorade with HSA?
You can grab a pack of ORS using your HSA or FSA funds without a prescription. However, rehydration sports drinks (think Gatorade) and electrolyte solutions containing additional additives (such as caffeine, immunity boosters, or the like) are not eligible.
Can I use HSA for Tylenol?
Yes. You can buy OTC medicine such as Tylenol and Tums with your FSA or HSA. But this hasn't always been the case. OTC medications previously did not count as qualified medical expenses for HSAs unless you had a prescription.
Is sunscreen HSA-eligible?
Sunscreen for adults and for kids is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA) under certain conditions. Only sunscreens with SPF 15+ and "broad spectrum" protection are eligible.
Are diapers HSA-eligible?
As previously mentioned, diapers are not considered qualified medical expenses under the current IRS guidelines. Therefore, attempting to use HSA funds for diapers may result in penalties or tax liabilities.