Does HSA cover therapy sessions?
Asked by: Dr. Manley Bruen Jr. | Last update: October 24, 2025Score: 4.9/5 (25 votes)
Can HSA be used for therapy sessions?
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The good news is mental health therapy, including virtual appointments, is an HSA eligible expense.
Can I use my HSA for 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.
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.
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.
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Can I use my HSA to pay for massage therapy?
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 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 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 happens if you accidentally use HSA for non-medical expenses?
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.
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 the Apple Watch HSA eligible?
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 Invisalign?
Many patients are surprised to learn that you can use your Flexible Spending Account (FSA) or Health Spending Account (HSA) to pay for orthodontic treatment, including braces and Invisalign, for children and adults, which makes this the “most wonderful time of the year” to get started on your dream smile.
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.
Does HSA cover physical therapy?
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 you pay for IV therapy with HSA?
Yes, IV Therapy is considered a qualified medical expense for most HSA/FSA plans. Check with your plan first and make an appointment to get started!
Can you use HSA at a chiropractor?
Fortunately, the IRS considers chiropractic and chiropractic care as qualified medical expenses, so you can use your HSA and FSA for chiropractic treatment.
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.
How often do people get audited for HSA?
Answer: It depends on how much tax free money has been hiding in your HSA. Since you are asking in November instead of January I am guessing that your HSA is being audited (looked at by an algorithm) every 90 days; or perhaps every 60 or even ever 30 days, depending on the balance.
What if I accidentally bought food on my HSA?
Yes, you read that correctly—even if you accidentally paid for a burger with your HSA debit card, you will have to report it on your annual income tax return and pay taxes on it. If you're under 65 and spend the money on unqualified purchases, you must also pay a 20% penalty on top of the income tax.
Are massages HSA eligible?
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).
Can condoms be bought with HSA?
The answer is yes! HSAs are designed to cover a wide range of qualified medical expenses, and contraceptives such as condoms are no exception. Just like other eligible healthcare expenses, you can use your HSA funds to purchase condoms, whether they are over-the-counter or prescribed by a healthcare provider.
Can I use my HSA for skincare?
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.
Are therapy sessions HSA-eligible?
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 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 my boyfriend use his HSA for me?
I'm enrolled in the High Deductible Health Plan with an HSA for myself only. Can I use my HSA to pay for my spouse, domestic partner, or children's medical expenses? Yes, as long as you use the funds to pay for qualified medical expenses, you can pay for any family member who is a tax dependent on your tax return.