Can You Use FSA for Massages? Here’s How

Flexible Spending Accounts (FSAs) offer a tax-advantaged way to pay for eligible healthcare expenses. While these accounts generally cover a wide range of medical costs, the eligibility of massages is often questioned. Massages are typically not covered for relaxation or general well-being; however, they can be eligible under specific medical circumstances. Eligibility requires specific guidelines and documentation of medical necessity.

General FSA Eligibility for Massages

For a massage to be eligible under an FSA, it must be “medically necessary.” The Internal Revenue Service (IRS) defines medical expenses as costs for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body. Massage therapy must address a specific medical condition, not general health benefits or stress reduction.

Massages prescribed for chronic back pain, specific injuries, fibromyalgia, or nerve compression might qualify. Massages for stress relief, general wellness, or relaxation do not meet IRS criteria. Establishing medical necessity typically requires a licensed healthcare provider’s formal recommendation.

Gathering Required Documentation

To substantiate a medically necessary massage for FSA reimbursement, obtain specific documentation. A Letter of Medical Necessity (LOMN) or a doctor’s prescription is typically required. This document must come from a licensed healthcare provider (e.g., physician, chiropractor, physical therapist).

The LOMN must clearly state the specific medical condition or diagnosis for which massage therapy is recommended. It should also detail how the therapy will treat that condition, including recommended frequency and duration. The recommended massage type should also be specified to link it directly to the medical issue. This documentation helps the FSA administrator approve the claim.

Submitting Your Claim

Once you have gathered all necessary documentation, including the Letter of Medical Necessity and receipts, submit your claim for reimbursement. Most FSA administrators offer several submission methods: online portals, mobile applications, mail, or fax. You will typically need to complete a claim form provided by your FSA administrator.

Include the completed claim form and an itemized receipt from the massage therapist, clearly showing the date, provider’s name, and amount paid. The Letter of Medical Necessity or doctor’s prescription must also support the expense’s medical eligibility. Retain copies of all submitted documents for your records. Claims are typically processed within 3 to 5 business days, though some may take longer. You may receive approval, a denial, or a request for additional information.