Can I Use My FSA for Chiropractic Care?

A Flexible Spending Account (FSA) allows individuals to set aside pre-tax dollars for healthcare costs. This employer-sponsored benefit allows funds to be allocated for eligible medical expenses, reducing an individual’s taxable income. A key characteristic of FSAs is the “use-it-or-lose-it” rule, meaning funds typically must be spent within the plan year, though some plans may offer a grace period or a limited rollover amount.

Qualifying Chiropractic Care

Chiropractic care qualifies as an eligible medical expense under an FSA when addressing a specific medical condition. Services for issues such as back pain, neck pain, joint problems, or musculoskeletal conditions are covered. Chiropractic adjustments aimed at correcting alignment issues to relieve pain are eligible. X-rays and other diagnostic tests performed by a chiropractor to identify the source of discomfort also qualify for reimbursement.

The Internal Revenue Service (IRS) defines eligible medical expenses as those primarily incurred to alleviate or prevent a physical or mental disability or illness. Therefore, chiropractic treatments must demonstrate medical necessity rather than being solely for general wellness or maintenance without a diagnosed condition. It is important to confirm with your specific FSA plan administrator, as terms can vary. A standard FSA covers chiropractic care, unlike a limited-purpose FSA which is restricted to vision and dental expenses.

Submitting Claims for Reimbursement

Individuals can seek reimbursement for eligible chiropractic services through their FSA. Many FSA plans provide a debit card for direct payment at the time of service. If a debit card is not used or accepted, individuals can pay out-of-pocket and submit a claim for reimbursement. This process typically involves completing a claim form provided by the FSA administrator.

For reimbursement, proper documentation is required, usually an itemized receipt from the chiropractor’s office. This receipt should clearly state the date of service, the specific type of service received, the amount charged, and the name of the healthcare provider. It is important to keep detailed records of all expenses in case they are needed for verification by the FSA administrator or the IRS. For certain treatments or products, especially if the medical necessity is not immediately apparent, a Letter of Medical Necessity (LMN) from a doctor may be required. An LMN is a document written by a licensed healthcare provider confirming that a treatment or item is medically necessary for a diagnosed condition, not just for general health.

Understanding Related Chiropractic Expenses

Beyond direct chiropractic adjustments, some related expenses may also be eligible for FSA reimbursement, provided they meet the medical necessity criteria. Products such as back supports or orthopedic pillows can qualify if they are specifically recommended by a chiropractor to treat a medical condition. Physical therapy services offered by a chiropractor are eligible under FSA guidelines.

Other services like massage therapy or certain nutritional supplements may also be covered if prescribed by a chiropractor for a specific medical condition. For these items, a Letter of Medical Necessity is often required to confirm their direct link to treating a diagnosed illness rather than promoting general health. General wellness products or multi-vitamins for overall health do not qualify for FSA reimbursement, as they do not address a specific medical condition.