Can you use FSA for therapy?

Asked by: Elda Bradtke  |  Last update: October 3, 2025
Score: 4.5/5 (32 votes)

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.

Can you use an FSA to pay for therapy?

Mental health therapy, also known as psychotherapy or counseling, is one of the most commonly covered types of therapy under FSAs. This includes sessions with licensed mental health professionals, such as: Psychologists. Psychiatrists.

Can I use my FSA to pay for a massage?

If you're getting a massage simply for relaxation or general wellness without a prescription, it won't be eligible for reimbursement through FSA or HSA.

What can I not use my FSA 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.

Can I use my FSA to pay for physical therapy?

Physical Therapy Session

If you haven't hit your deductible for the year or if your co-pay or co-insurance is high with your current insurance plan, using your FSA to pay for Physical Therapy sessions is allowed.

Using FSA and HSA for Massage

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Can I use my FSA to pay for gym?

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 you pay for IV therapy with FSA?

YES, IV THERAPY IS ELIGIBLE FOR FSA. If you have a Flexible Spending Account (FSA for short), chances are, time is running out for you to burn that cash before you lose it. Yep, that's right. If you don't spend your FSA money by the end of the grace period, you lose it.

What is a disadvantage of an FSA?

However, there are also some disadvantages to be aware of. One of the best known is the “use it or lose it” feature. Any amounts contributed to an account and not spent by the end of the year are forfeited to the employer. However, an IRS ruling issued a few years ago softened this deadline considerably.

Can I cash out my FSA?

You can't withdraw money from an ATM

One of those is that the money can only be spent on FSA-eligible expenses. The easiest way to be sure your purchases are eligible is to shop at a store that exclusively sell FSA-eligible items (hint: FSAstore.com).

Can I use FSA for Botox?

Botox injections are typically not eligible for reimbursement with an FSA, as they are primarily used for cosmetic purposes.

Can I use FSA for vitamins?

Today, the only vitamin supplements covered by FSAs and health savings accounts (HSAs) are glucosamine and chondroitin supplements for joint pain issues, and prenatal vitamins to help prevent birth defects and complications.

Can you use FSA for Peloton?

Yes. You can pay with a credit or debit card through Truemed and submit a reimbursement request to your HSA/FSA plan administrator for up to the amount you have available in your HSA/FSA account.

Can I use FSA 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).

Is laser hair removal FSA eligible?

Laser hair removal reimbursement is considered a cosmetic procedure and therefore 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 ( ...

Is deodorant FSA eligible?

For example, daily care products, like Vaseline, toothpaste, and deodorant, are not FSA-eligible expenses. Gym memberships and health insurance premiums aren't eligible either. It's possible that you may accidentally purchase a nonqualifying expense with your FSA funds.

Is a FSA really worth it?

The Bottom Line: An FSA Can Help You Cover An Array Of Expenses. Ultimately, flexible spending accounts let you pay for most out-of-pocket medical expenses with pretax dollars. This can help you budget for anticipated medical expenses like prescribed medicines and regular doctor visits while saving money.

What happens if I use my FSA incorrectly?

If the Benefits Card is accidentally or intentionally utilized for ineligible expenses, you are responsible for reimbursing your account. You will be notified if you have an ineligible expense and your Benefits Card may be deactivated until your account is reimbursed.

What are the limitations of FSA?

Flexible spending accounts can be used only for the purposes for which they are set up—that is, dependent care expenses or health care expenses, respectively. Your decisions regarding how much money you will contribute to the accounts for the plan year are fixed (unless there is a life or career event).

Are gym memberships FSA eligible?

The Internal Revenue Service (IRS) usually doesn't allow funds from an FSA to pay for membership dues at health clubs or gyms. However, the IRS allows FSA funds to be used for paying separate fees charged at health clinics or physical therapy centers for specific activities prescribed by doctors for an individual.

Are air purifiers FSA eligible?

Air purifiers are generally not eligible for reimbursement. An air purifier may be eligible for FSA reimbursement with a Letter of Medical Necessity (LMN) only if you are using it to relieve or alleviate a specific medical condition and you would not otherwise have purchased it.

Is toilet paper FSA eligible?

Here are examples of items and expenses that are not FSA-eligible for 2024: General health items: toiletries like toothpaste, toilet paper, or shampoo, cosmetic products, vitamins and supplements (without a prescription) Non-medical equipment: car seats, strollers, non-medical exercise equipment.

Can I use FSA for therapy sessions?

Individual therapy

Whether you want to start therapy to cope with anxiety, stress, depression, or any other mental health condition, sessions with licensed therapists will qualify as reimbursable expenses under most FSA reimbursement plans.

Does Costco accept FSA cards?

Mobile Payment (Apple Pay, Google Pay, Samsung Pay) FSA/HSA Visa or MasterCard Debit cards are accepted at Pharmacies, Optical and Hearing Aid Departments. Filtered Spend Visa/Mastercard*

Are toothbrushes FSA eligible?

Brush-Up on FSAs and HSAs

However, current law does not recognize certain oral healthcare products — such as manual toothbrushes, electric toothbrushes, water flossers, mouthwash, or OTC anti-cavity toothpaste — as “qualified medical expenses.”