Can you use your HSA for a prenatal massage?

Asked by: Monroe Dietrich  |  Last update: September 9, 2023
Score: 4.9/5 (66 votes)

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 massages be paid by HSA?

Massage Therapy is eligible for reimbursement through most FSA's and HSA's. Some do require a Letter of Medical Necessity from your doctor, but this means you can potentially be reimbursed from your insurance for your massage from us! You just need a note from your primary care physician.

What maternity items are covered by HSA?

Other useful items covered by your HSA include:
  • Maternity support belts.
  • Compression socks.
  • Prenatal vitamins.
  • Feminine hygiene pads.
  • Birthing, breastfeeding, and Lamaze classes.
  • Office visits.
  • Ultrasounds.
  • Prenatal massages (if they're accompanied by a doctor's note or a medical necessity form)-+

Can you use your HSA account for pregnancy?

In addition to labor and delivery, you can use HSA funds to cover the following pregnancy-related expenses: Infertility treatments. Ultrasounds. Childbirth classes.

Can I accept HSA cards as a massage therapist?

Massage Therapy is eligible for reimbursement with a Letter of Medical Necessity (LMN) with flexible spending accounts (FSA), health savings accounts (HSA) and health reimbursement arrangements (HRA).

Prenatal Massage — Safe To Get a Massage When Pregnant?

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What happens if you use your HSA card for something else?

If you use your HSA for an expense other than eligible medical expenses you can subject yourself to significant IRS penalties. Inappropriate use of your HSA funds may also leave you without money to pay for your eligible medical expenses in the future.

Can you use HSA for tampons?

Tampons are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), and a health reimbursement arrangement (HRA).

Can I use my HSA at a birthing center?

Your HSA and FSA can help you pay for all doctor visits and consults before meeting your deductible. This includes labor and delivery at the hospital or birthing center.

Should I get HSA or PPO pregnant?

1 Health savings accounts (HSAs) are associated with high deductible health plans (HDHP), which require you to pay expensive deductibles before your coverage begins. Since pregnancy and childbirth bring hefty costs, a lower-deductible PPO plan may be a more affordable option.

How do prenatal massages work?

Massage therapy addresses the inflamed nerves by helping to release the tension on nearby muscles. Many women have experienced a significant reduction in sciatic nerve pain during pregnancy through massage. Other potential benefits of prenatal massage: Reduced back pain.

Are baby wipes and diapers HSA eligible?

Diapers are not eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), health reimbursement arrangements (HRA), dependent care flexible spending accounts (DCFSA) or limited-purpose flexible spending accounts (LPFSA).

Can you get diapers with HSA?

In short, any diapers or liners on this website are qualified medical expenses, and so you may purchase them with your FSA or HSA card. Do I have to submit for reimbursement? If you are using your FSA or HSA card you do NOT have to submit for reimbursement.

Are deep tissue massages HSA eligible?

No matter whether you have an HSA or FSA, massage therapy is usually considered a legitimate medical expense by most insurance companies. Still, to be sure, check with your carrier or ask an HR representative at work because some plans do not cover massage, even with a doctor's prescription.

Can I use my HSA for Botox?

Botox: HSA Eligibility

Botox injections are 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).

How to get a letter of medical necessity 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. Figure out how that medical professional will diagnose a condition that can formally necessitate medical massage.

Do you have to pay deductible twice for pregnancy?

Conceiving in March or April would potentially give you a due date of late December through January. Going into the hospital with complications on Dec. 30 and not giving birth until Jan. 1 of the following year would likely result in you paying two deductibles for two different years of coverage.

Why not to choose HSA?

The Downside of HSAs

HSAs might not make sense if you have some type of chronic medical condition. In that case, you're probably better served by traditional health plans. HSAs might also not be a good idea if you know you will be needing expensive medical care in the near future.

Why is HSA insurance more expensive?

Because HSA-qualified health plans have higher deductibles, the burden of upfront medical costs is more immediately apparent to those who have this type of coverage. The plans usually have smaller monthly premiums, but the trade-off is more out-of-pocket expenses before insurance kicks in.

Can I use HSA to pay for midwife?

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

Should I do HSA with newborn?

What to Do in Your First Year as a New Parent: Use your HSA funds. HSA dollars can be used for baby supplies, postnatal care, check-ups, and more. you can also use your saved HSA funds on qualified medical expenses.

Are vitamins HSA eligible?

With this IRS definition in mind, while daily multivitamins are not FSA/HSA eligible, there are some types of vitamins that are eligible with consumer-directed healthcare accounts and others that may be eligible with proper documentation from a physician.

Can I use my HSA for a walking pad?

Exercise equipment must be used to treat a specific medical condition in order to be considered eligible for reimbursement under a consumer-directed health care account. Exercise equipment used for general health and wellbeing is not eligible for reimbursement.

Are breast pads covered by HSA?

Gel breast pads are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA).

What happens if you accidentally pay for groceries with HSA card?

If you realize you've made a mistake and want to correct it, simply return the money to your HSA and you will avoid the additional penalty. If you do not return the money to your HSA, it will be counted as taxable income, and even worse, you'll have to pay a 20% penalty.

Can I withdraw from my HSA for non-medical expenses?

Yes. You can withdraw funds from your HSA anytime. But keep in mind that if you use HSA funds for any reason other than to pay for a qualified medical expense, those funds will be taxed as ordinary income, and the IRS will impose a 20% penalty.