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The 190° Longevity Club

We Take HSA and FSA Cards

Many clients use their FSA (Flexible Spending Account) or HSA (Health Savings Account) to cover eligible wellness treatments. However, if you use your HSA funds on non-eligible expenses, you may be subject to penalties, so make sure to talk with your medical care provider and your HSA/FSA provider about your specific coverage.

Massage Therapy

Many of our clients use their FSA or HSA to cover their massage therapy treatments. Here are some points to consider before using your HSA/FSA card for your massage therapy:

 

  • Massage therapy must be prescribed by a healthcare professional for a specific medical condition, such as chronic pain, muscle tension, or stress. The massage therapy must be medically necessary and not primarily for relaxation or wellness purposes.

 

  • A Letter of Medical Necessity from your doctor or licensed provider, which can be in the form of a prescription or a doctor’s note. The letter/prescription should include: A diagnosis or condition (e.g., chronic pain, injury, stress, etc.), recommended treatment (massage therapy), and the frequency/duration of recommended sessions,

 

  • We can provide detailed receipts with service descriptions and practitioner license numbers.

Cold Plunge/Ice Bath Therapy

Some of our clients use their FSA or HSA to cover their Cold Plunge / Ice Bath Therapy, but it is not as widely covered, so make sure to check with your HSA/FSA provider. Here are some points to consider before using your HSA/FSA card for your cold water therapy:

 

  • A Letter of Medical Necessity from your doctor or licensed provider, which can be in the form of a prescription or a doctor’s note. The letter should state that the cold water therapy is recommended for a specific condition ot reason like inflammation, chronic pain, sports recovery, circulatory issues, etc. It should also specify the type of cold therapy, any specific protocols, and how often it’s needed.

 

  • Note: Coverage varies, so it’s best to check with your plan provider first.

Red Light Therapy (Photobiomodulation)

A few of our clients use their FSA or HSA to cover their Red Light Therapy treatments, but it is even less widely covered than cold water treatment. So, again, it is best to check with your plan provider first. Here are some points to consider before using your HSA/FSA card for your red light therapy:

 

  • A Letter of Medical Necessity from your doctor or licensed provider, which can be in the form of a prescription or a doctor’s note. The letter should state that the red light therapy is part of a treatment plan recommended for a specific condition or reason, like joint pain, psoriasis, wound healing, etc. It should also specify any specific protocols, and how often it is needed.

 

  • Note: It may be easier to get approval when part of a broader care plan.
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