How to use HSA or FSA dollars to invest in your better Health!


When is the last time you invested in yourself? What if you could do it with tax free money? Did you know massage therapy and health coaching can be a qualified medical expense in the eyes of the IRS and for many, this means pre-tax HSA and FSA dollars can be used for these services. 

Both HSAs (Health Savings Account) and FSAs (Flexible Spending Accounts) allow you to set aside pre-tax dollars for qualified medical expenses. In some cases, your employer may even contribute money to your HSA or FSA each year. These dollars can be used for medical costs, such as deductibles, monthly prescriptions, copayments, coinsurance and other qualified medical expenses as described by the IRS. As with any insurance plan, there can be fine print to consider. It is always a good idea to examine the details of your plan. Sometimes this may require a call to your insurance company or a talk with your HR department if you have questions.

There is a wide variety of medical conditions listed by the IRS that could qualify for massage or health coaching with a doctor’s prescription. Stress-related symptoms, circulation issues caused by diabetes or hypertension, sciatica, arthritis, fibromyalgia, anxiety, depression and chronic pain are a few examples of conditions that could qualify.  

So what is the next step? Consult with your doctor. Once you and your doctor have talked it over and decide this is right for you, simply ask them to write a prescription for massage or health coaching. In the eyes of your insurance company, this acts as proof that you actually need a massage or health coaching and qualifies the service for your HSA or FSA. 

Once you have your prescription you are set to book an appointment and invest those pre-tax dollars in yourself! You deserve it!

Here’s to Better Health!