Will HSA pay for massage?

Asked by: Aurelie Hickle PhD  |  Last update: May 18, 2025
Score: 4.5/5 (75 votes)

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.

Is massage therapy covered by HSA?

Generally, HSAs cover treatments that are considered medically necessary, and massages are no exception. If a doctor prescribes massage therapy to treat a specific medical condition–such as chronic pain, injury recovery or other ailments–then the cost of the massage may be a qualified medical expense.

Can I use my HSA at Massage Envy?

Fun fact: you can use your HSA/FSA card to get massages at Massage Envy.

Do massages count as medical expenses?

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 for a chiropractor?

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.

Using FSA and HSA for Massage

21 related questions found

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.

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.

How to get massage covered by health insurance?

How to get medical insurance to cover massage therapy
  1. Call to verify your insurance coverage for massage therapy. ...
  2. Get a prescription by clearly communicating to your doctor that you'd like massage therapy. ...
  3. Ask your doctor to prescribe massage for the most general diagnosis possible.

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.

Are massage chairs HSA eligible?

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).

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.)

Can I use my HSA 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.

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 to get a letter of medical necessity for massage therapy?

How do I get a medical necessity letter 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.

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 to pay for therapy?

According to HSA for America, each HSA account comes with a debit card. You may use this card to pay for therapy, medication, or qualified mental health products. You have two payment options when using an HSA account for therapy. You may use the card to offset copayments and deductibles for covered services.

How do I get a massage approved for HSA?

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 you use HSA for gym membership?

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.

What happens to unused HSA funds?

Unlike many flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs), unused HSA funds automatically carry over to the following year. Even if your employer provided the account and made contributions, the account belongs to you — so any remaining funds are carried over every year.

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?

Bartering for a Massage
  1. 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. ...
  2. Exchange massages with a friend. ...
  3. Promote the benefits of a massage. ...
  4. Barter with a Licensed Massage Therapist. ...
  5. Check your health insurance coverage.

Is deep tissue massage covered by insurance?

While it depends on your specific insurance plan, many insurance companies will cover massage therapy if a doctor prescribes it for a medical condition. If you have a condition such as chronic pain or a muscle injury, your massage therapy sessions may be covered under your insurance plan.

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…”

What can I spend HSA money on?

A Health Savings Account (HSA) lets you set aside money on a pre-tax basis to pay for:
  • Coinsurance. Coinsurance. ...
  • Copayments. Copayment. ...
  • Deductibles. Deductible. ...
  • Qualified medical expenses (includes some dental, drug, and vision expenses) – Find an expenses list on IRS.gov.

Is deodorant HSA-eligible?

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).