Can you pay for a massage with an HSA card?
Asked by: Amani Zemlak | Last update: October 24, 2025Score: 4.3/5 (11 votes)
Can I use my HSA on 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 I use my HSA at Massage Envy?
Fun fact: you can use your HSA/FSA card to get massages at Massage Envy.
Are massages considered 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.
Can I use my HSA to pay for my 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.
Using FSA and HSA for Massage
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 my HSA to pay 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.
How to get massage covered by health insurance?
- Call to verify your insurance coverage for massage therapy. ...
- Get a prescription by clearly communicating to your doctor that you'd like massage therapy. ...
- Ask your doctor to prescribe massage for the most general diagnosis possible.
Are massagers HSA eligible?
Fortunately, tools like the MedMassager Foot Massager Classic and MedMassager Body Massager Classic are approved HSA/FSA products, so they may be eligible under your plan without the need for a letter of medical necessity (LMN).
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.
Can HSA pay for chiropractic?
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.
How much does a massage cost?
On average, prices in the United States range from $50 to $150 per hour, with higher rates typical in urban areas and luxury spas. The cost is also affected by the therapist's experience, the type of massage, and any additional services provided.
How much do you tip for a 60 minute massage at massage Envy?
Yes, you should tip at least 20% based on the regular cost of the service, even if you're using a coupon or gift certificate, says Sokolosky. So if a massage normally costs $100, tip $20 even if you have a coupon that discounts the massage to $80 or a gift card that covers the full cost.
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.)
Does HSA pay for Botox?
Can you use HSA funds to pay for Botox? If you're using Botox for cosmetic purposes like reducing wrinkles or fine lines, it's not considered an HSA-eligible expense. However, Botox may be HSA eligible if it's used to treat a medical condition like chronic migraines, severe muscle spasms, or overactive bladder.
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.
How do I get my HSA to pay for massage?
For you to use your HSA to pay for the massage, you must provide a letter of medical necessity from your doctor that therapeutic message is really needed. Talk to your doctor if you think this situation could apply to you.
Can I use my 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.
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 my HSA for massage Envy?
Does Massage Envy take insurance? No, Massage Envy does not accept insurance; however, they do accept HSA/FSA debit cards.
How to get a free massage?
- Swap massages with a spouse or partner. One of the best ways to get a free massage is to swap massages with a loved one. ...
- Exchange massages with a friend. ...
- Promote the benefits of a massage. ...
- Barter with a Licensed Massage Therapist. ...
- Check your health insurance coverage.
How do I know if my insurance covers massage?
Call your insurance company to determine what benefits you qualify for before scheduling to avoid unnecessary expenses. Some insurance companies may require a doctor's referral. Also, it's best to find out the copay before you schedule an appointment so you can plan accordingly.
Can I use my HSA for a massage chair?
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).
What can I spend HSA money on?
- Coinsurance. Coinsurance. ...
- Copayments. Copayment. ...
- Deductibles. Deductible. ...
- Qualified medical expenses (includes some dental, drug, and vision expenses) – Find an expenses list on IRS.gov.
Where can I use my HSA card?
- #1 Over-the-counter (OTC) medications. This is probably among the most popular ways to use your HSA. ...
- #2 Doctor visits. ...
- #3 Telemedicine visits. ...
- #4 Healthcare insurance premiums. ...
- #5 Women's healthcare products. ...
- #6 Dental care. ...
- #7 Vision care. ...
- #8 Transportation for healthcare.