Yes, an HSA or FSA can cover massage therapy in Florida if it is prescribed as a medical treatment for a specific condition, as outlined in a Letter of Medical Necessity (LMN) from a doctor. You will need a prescription and a diagnosis for your condition, such as back pain or carpal tunnel syndrome, to use these pre-tax dollars for massage therapy. It's crucial to check with your plan administrator to ensure massage therapy is covered under your specific benefits plan, as there can be varying requirements. 

 

Steps to Use Your HSA/FSA for Massage Therapy

 

1. Get a doctor's prescription: Consult your doctor to determine if massage therapy is a medically necessary treatment for your specific condition.

2. Obtain a Letter of Medical Necessity (LMN): Your doctor should provide an LMN that includes your diagnosis, the recommended treatment plan (e.g., number of sessions, duration), and their contact information.

3. Book your massage: Schedule a massage session with a licensed therapist.

4. Pay and document: You can often pay with your HSA/FSA debit card. Keep the LMN and a detailed receipt for your records.

5. Submit for reimbursement: You may need to submit the paperwork to your HSA/FSA provider for reimbursement or to prove the expense was eligible. 

 

Key Considerations

 

• Medical necessity is key:
  General relaxation massage is typically not covered; the therapy must be to treat a specific medical problem. 

• Check your plan:
  Always verify the coverage details with your specific HSA/FSA carrier or plan administrator, as requirements can vary. 

• Keep good records:
  Proper documentation is essential in case of an audit or if your provider requires more information to approve the expense. 

Disclaimer: We do not provide medical advice. Please consult your healthcare provider to determine eligibility.