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Question

Asked 11/17/2008

Can I use my health savings account for a massage?

I have frequent headaches and prefer a massage over a chiropractic visit.

 
 
 
 
 
Answers

Answer 1/6 - Submitted 8/12/2010

Yes - as long as your Dr. believes it can help your condition.

 
 

Answer 2/6 - Submitted 1/9/2011

You should be able to use your health savings account. I know my clients submit an invoice for their services to their HSA and get reimbursed. To be on the safe side, I would double check with your HSA.

 
 

Answer 3/6 - Submitted 6/13/2011

You can either read the small print from the policy of you can give you Health Savings Account a call to find out if you are eligible for a massage. It is better to ask rather than being refused the reimbursement. If the massage will genuinely help then I would say that they will allow this. Always keep the invoice and ensure that you file the claim quickly as there may be deadlines. Health Savings Accounts can be quite complicated which is why you need to familiarise yourself with the terms and conditions. Hope this answer helps.

 
 

Answer 4/6 - Submitted 6/13/2011

It all depends on whether or not it is covered. The best thing you can do it take a look at the terms and conditions to see what's covered and what isn't. This isn't always black and white, so some accounts may allow it while others won't.

Most of the time, you'll have to show that this is a needed treatment, and not just a nice perk. But I have heard of HSA accounts covering massages, so just give them a call just to be sure.

 
 

Answer 5/6 - Submitted 6/13/2011

You should be able to use your own money, or an employer's contributions to the HSA for massage services. As long as the insurance company isn't paying into the expense of the massage, it shouldn't matter. HSAs allow withdrawals for legitimate medical expenses, even those not normally covered by insurance plans. So, paying for a massage out of these funds should be okay.

Of course, you should always check with your carrier just to make sure. Unlike a traditional plan, HSAs and Flexible Spending Accounts are designed to give more freedom to the consumer. The trade off is that the insurance doesn't kick in until after you've depleted contributions from yourself and your employer. This money, with few restrictions, can be put toward anything from medicine to office visits and limited cosmetic procedures.

 
 

Answer 6/6 - Submitted 6/14/2011

In my experience, as a licensed massage therapist, yes it's always good to double check with your provider, but in my state (AL), I have not run into a HSA that did not cover massage therapy. I will say that a regular receipt from a credit card machine is general not enough for a HSA company.

You may need to ask your licensed massage therapist for a receipt that includes their logo, address, service provided (either specific or therapeutic massage) and price of the service and how much was paid (by you). The companies are much more likely to accept a receipt like this than just a hand written receipt or a credit card receipt.

Good luck and I hope you get some relief soon!

 
 
 
 
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