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Health Insurance Reimbursement 101 

Massage Therapy may be eligible for reimbursement with a Letter of Medical Necessity (LMN) with flexible spending accounts (FSA), health savings accounts (HSA) and health reimbursement arrangements (HRA). Massage Therapy is not eligible for reimbursement with a dependent care flexible spending account (DCFSA) or a limited-purpose flexible spending account (LPFSA).

Step 1

No matter whether you have an HSA or FSA, massage therapy is usually considered a legitimate medical expense by most insurance companies.

 

Still, to be sure, check with your carrier or ask an HR representative at work because some plans do not cover massage, even with a doctor’s prescription. However, this is not common and most people encounter no difficulty paying for their massage with their HSA or FSA.

Step 3

The prescription must include the reason you are getting the massage. This might be an injury or medical condition. Just like with medication where a prescription might read ‘Take one pill morning and night,’ the massage prescription must state the number of sessions required per month. It could be once a month, biweekly or every week.

 

If you plan to get regular massage, you may want to consider a membership as a way to save even more money. The prescription must also indicate the duration of treatment, perhaps 6 months or a year. It may also indicate the session length, such as a 30-, 60- or 90-minute treatment.

Step 2

After your insurance company confirms that it does endorse massage therapy as medical treatment, call your primary care physician to ask about adding massage to your wellness or treatment plan.

if a medical professional deems massage therapy as necessary for the treatment of a chronic illness, will aid the recuperation process from a significant injury, account holders will have to obtain a Letter of Medical Necessity (LMN) along with a prescription for massage.

Step 4

Once you have your prescription, all that’s left to do is to book an appointment with a licensed massage therapist. Use your HSA or FSA debit card to pay for the session and you’re good to go!

 

If you decide to sign up for a membership, you simply link your HSA/FSA debit card account, and then relax. The session fee will be automatically debited, one less thing for you to think about.

Remember that FSAs expire at the end of each calendar year, so if you’ve got some excess funds lying around, a massage is a great way to use them in a way that has a direct positive impact on your health.

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