Do you have a Health Savings Account (HSA)? If so, are you aware that in some cases massage therapy could be considered a qualified medical expense? According to the IRS, “Medical expenses are the costs of diagnosis, cure, mitigation, treatment, or prevention of disease, and the costs for treatments affecting any part or function of the body. These expenses include payments for legal medical services rendered by physicians, surgeons, dentists, and other medical practitioners. They include the costs of equipment, supplies, and diagnostic devices needed for these purposes. Medical care expenses must be primarily to alleviate or prevent a physical or mental defect or illness. They do not include expenses that are merely beneficial to general health, such as vitamins or a vacation.” IRS publication 969 and 502 contain additional information pertaining to HSA accounts.
What does this mean for your use? The first step is to set up an appointment with your medical doctor or chiropractor to obtain a prescription for massage therapy to treat or prevent your condition. For some HSA accounts, our office is accustomed to providing receipts or super-bills as documentation to submit to your insurance company. Since HSA's may differ, it is wise to contact your HSA provider directly to confirm that this applies to your plan. You may also want to ask them if you have the appropriate documentation and information in your prescription to prevent having to pay out of pocket for your appointment. If you have a Flexible Spending Account (FSA) it also may be possible to use this toward massage therapy. A stipulation with this type of plan is that money added in a year to your account must be used for eligible health care expenses incurred in that year or the funds are forfeited. As with HSAs, it is advisable to contact the issuer of your plan before scheduling your appointment as not to be held liable for any out of pocket expenses. If you are interested in using massage therapy to treat or prevent a condition you are suffering from, consider these resources! This plans can be used to help make massage more affordable and help you feel better sooner!
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