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Can I use an HSA or FSA for Massage?
In many cases, a massage can be payed for using your HSA or FSA card. Follow these steps to make sure you’re qualified before scheduling an appointment.
1. Start with HR
Before you do anything, reach out to your HR department or your medical insurance carrier and ask if massage therapy is considered a covered treatment. In some situations, an insurance policy won’t cover massages, even if you get a prescription from a doctor.
That being said, we’ve found that the majority of customers who have an FSA or HSA have no trouble getting their massages covered.
2. Doctor visit
Once you’ve gotten the thumbs up from your insurance carrier, schedule an appointment with your primary care physician. Pro tip for this step of the process: Don’t start by just saying you want a massage. You must first explain your specific symptoms.
There are a wide variety of mental and physical conditions that could qualify for a massage. Stress-related symptoms, circulation issues caused by diabetes or hypertension, carpel tunnel, plantar fasciitis, sciatica, arthritis, tinnitus, fibromyalgia, anxiety, depression and chronic back pain are all great examples that could qualify you for massage therapy.
Preparation is key to this discussion. Don’t be afraid to bring case studies of people who’ve alleviated similar symptoms through the power of massage therapy. You could also suggest specific massage therapy techniques, which can help you illustrate the legitimacy of this type of care.
3. Get a prescription
Once you and your doctor have talked it over, you’ll need them to write a prescription for a massage. In your insurance’s eyes, this prescription acts as proof that you actually need an HSA or FSA massage.
Your prescription must include the following:
A reason you need massage therapy, such as a medical condition or injury.
The number of sessions you’ll require each month. Do you need a massage every month? Once every 1-2 weeks?
The duration of the treatment. How long are you going to need this treatment? Should they be 60-minute, 75-minute or 90-minute massages? Your doctor will be able to point you in the right direction on this one. You can also change the length, time of day, and frequency as needed.
Getting a prescription is easier than it sounds, so no need to stress. Healthcare providers often write prescriptions for things like massage or acupuncture without requiring an in-person doctor visit. Your prescription can practically be just a simple phone call away.
4. Use Your FSA or HSA for Massage
Once you have your prescription, you’ll need to book an appointment with a massage therapy provider.