Using Your Flexible Spending Account (FSA) or Health Savings Account (HSA) To Pay For Medical Massage Therapy
Because Medical Massage Therapy is a qualified medical expense when prescribed to treat a specific condition, utilizing your health accounts is easier than you might think.
Here is everything you need to know to get started:
How to Use Your Benefits in 3 Simple Steps
1. Secure Massage Therapy Referral Or Letter of Medical Necessity (LMN):
Talk to your medical provider and ask them for a referral for massage therapy, with diagnosis codes related to your physical problem (such as chronic low back pain, sprains/strains, post surgical rehabilitation, etc.) or to write a brief Letter of Medical Necessity for Massage Therapy. The referral, or letter, should note the specific condition being treated and the recommended frequency of care. We recommend obtaining a referral, but a Letter of Medical Necessity works as well.
2. Book Your Session and Pay: You can use your standard FSA/HSA debit card directly at the time of your appointment. (Special per-visit package rates are available to qualifying patients through a Financial Policy Agreement)
3. Keep Your Documentation Handy: Hang on to the itemized receipts we provide you, and a copy of your Massage Therapy referral or Letter of Medical Necessity, your plan administrator may request it to verify the medical necessity of the care. At your request we will provide you with your treatment notes to show the clinical nature of this healthcare service.
Important Practice Policies & Guidelines
To ensure everything runs smoothly with your plan administrator and to protect our mutual compliance, please note the following policy details.
Medical Provider Documentation Responsibility: It is the patient’s sole responsibility to obtain and maintain a valid Massage Therapy Referral or Letter of Medical Necessity from a licensed healthcare provider before utilizing pre-tax funds for medical massage therapy services.
Ensuring Acceptance By Your FSA/HSA: We are happy to supply you with detailed, itemized receipts and treatment notes containing all the necessary service and provider codes for your FSA/HSA. However, we cannot guarantee that your specific plan administrator will approve the claim, as coverage is entirely dependent on the terms of your individual policy. In the unlikely event that your plan administrator issues a denial, we will provide you with a pre-written appeal letter template and documentation packet to help you overturn it.