Can you use HSA for therapy?
Asked by: Denis Little | Last update: April 8, 2025Score: 4.3/5 (48 votes)
Can you use HSA funds for therapy?
The good news is mental health therapy, including virtual appointments, is an HSA eligible expense.
Can I use my HSA to pay for BetterHelp?
While they do not accept insurance, they do accommodate HSA/FSA payments and offer discounts for those facing financial constraints. Messaging your therapist is included in the cost, and BetterHelp provides valuable resources such as documents and live webinars at no extra charge.
Can 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 will HSA not cover?
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.
Using FSA and HSA for Massage
Can I use my 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.
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…”
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.
What happens if I accidentally used my HSA card for groceries?
You can repay the incorrect distribution before filing your federal taxes for that tax year. However, if you do not correct the mistake, the unqualified amount will be subject to income tax, and you may also face an additional 20% tax penalty.
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 card for couples therapy?
Marriage counseling often falls outside the scope of Internal Revenue Service (IRS) guidelines for an HSA account, as it is not deemed a medical necessity.
Can you use HSA on mental health apps?
Mental health care
The funds may also cover online therapy options, text therapy, and hypnotherapy. Use your FSA or HSA for addiction treatment and even meditation apps. Keep in mind that these services may require a Letter of Medical Necessity in order to be covered. And not all therapies are covered.
Can I pay for physical therapy with my HSA?
HSAs and FSAs can be used for most things related to your health. This ranges from certain items in the store to medications to services, such as physical therapy.
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 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 you pay for IV therapy with HSA?
Is IV Therapy eligible for FSA or HSA? IV therapy is eligible to be covered by Flexible Spending Accounts (FSA). Even Health Savings Account (HSA) funds can be used toward IV infusions.
How does IRS know what you spend HSA on?
Verification of expenses is not required for HSAs. However, total withdrawals from your HSA are reported to the IRS on Form 1099-SA. You are responsible for reporting qualified and non-qualified withdrawals when completing your taxes.
Can I buy deodorant with HSA?
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).
What if I never use the money in my HSA?
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.
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 to buy lube?
Lubricants may be eligible with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).
Are vitamins covered by HSA?
Most vitamins and supplements are still not covered by HSAs and FSAs.
Can you use HSA for Tylenol?
Did you know you can use your FSA and HSA benefits on eligible TYLENOL® Brand products? This is your reminder! Product eligibility may vary by plan. Check with your benefits administrator to determine which expenses are eligible before you shop.