Can I Use My FSA for a Massage? Requirements Explained
Navigate FSA eligibility for massage therapy. This guide explains the necessary conditions and the straightforward process for reimbursement.
A Flexible Spending Account (FSA) is an employer-sponsored benefit that allows individuals to set aside pre-tax money for qualified out-of-pocket medical expenses. These funds are deducted from an employee’s paycheck before taxes, offering a tax advantage on eligible healthcare costs.
When Massages Qualify as Medical Expenses
For massage therapy to qualify as a medical expense reimbursable by a Flexible Spending Account, its primary purpose must be to treat, cure, mitigate, or prevent a specific disease or medical condition. Massages for general wellness, relaxation, stress relief without a medical diagnosis, or cosmetic purposes are not eligible expenses. Medical care expenses must primarily alleviate or prevent a physical or mental disability or illness.
A Letter of Medical Necessity (LOMN) or a prescription from a qualified healthcare provider is required for a massage to be FSA-eligible. This document proves the massage therapy is medically necessary for a diagnosed condition, not for general health. The LOMN must clearly state the patient’s diagnosis, the specific medical condition being treated, the recommended treatment plan (including frequency and duration), and explicitly justify how the massage therapy is essential for managing or treating the condition.
Qualified healthcare providers who can issue an LOMN include physicians, chiropractors, or physical therapists. Massage therapy may qualify if prescribed for chronic pain, post-injury recovery, or specific medical conditions. Spa treatments or general relaxation massages without a documented medical need are not eligible for reimbursement. The professional administering the massage must be a licensed or certified massage therapist to ensure the service meets professional standards.
Submitting Claims and Required Documentation
After receiving qualifying massage therapy, individuals must submit a claim to their FSA administrator for reimbursement. This process requires specific documentation to substantiate the expense. The primary documents needed include the Letter of Medical Necessity (LOMN) or doctor’s prescription, which establishes the service’s medical necessity.
Alongside the LOMN, a detailed, itemized receipt or invoice from the massage therapist is necessary. This receipt must include the patient’s name, the name of the healthcare provider, the exact date of service, a clear description of the service provided (e.g., “therapeutic massage” rather than “spa treatment”), and the total expense amount. Generic credit card slips or canceled checks are often insufficient because they typically lack the required itemized detail. Therefore, it is important to request an itemized statement that meets all these criteria at the time of service.
FSA claims can be submitted through online portals, mobile applications, or by mail. Many FSA administrators offer online platforms for uploading digital copies of LOMNs and itemized receipts. Even with an FSA debit card for direct payment, it is important to retain all itemized receipts as the administrator may request them for verification.
It is important to be aware of specific deadlines for incurring expenses and submitting claims, as these can vary by plan. Most plans require expenses to be incurred by December 31st of the plan year, with a “run-out” period, often until March 31st of the following year, to submit claims for those expenses. Some employers may also offer a grace period, typically extending until March 15th of the new plan year, to incur new expenses. Always keep copies of all submitted documentation for personal records, as administrators may follow up with requests for additional information.