Yes, our credit card processing system in the office (but not online) is able to accept FSA and HSA cards. The IRS cites, “Medical expenses are the costs of diagnosis, cure…treatment, or prevention of disease, and the costs for treatments affecting any part or function of the body.” They further state that “medical care expenses must be primarily to alleviate or prevent a physical or mental defect or illness” (IRS Publication 502, IRS.gov). Examples of medical issues that may qualify include chronic fatigue syndrome, fibromyalgia, anxiety, depression, pain management, back pain, arthritis, hypertension, diabetes, stress, sciatica, or carpal tunnel syndrome.
While it is not necessary on our end, in order to avoid any auditing issues, we recommend that you visit with your medical practitioner, and let him/her know that you have an FSA or HSA that you would like to access for massage in the treatment or prevention of your particular concern. Your practitioner will need to give three key pieces of information:
- Medical necessity: Why you need massage therapy? (example: to help relieve pain in a particular area of your body)
- Frequency: How often should you receive massage therapy? (example: minimum of “x” sessions per month)
- Duration: How long should my length of treatment be? (example: 12 months)
These items would create a prescription that you could file away in case you are ever asked to back up the expense. Once the prescription length ends, you could revisit with your health care provider to obtain a new prescription. When you come in for your visit, simply use your FlexCard or HSA card at the time of payment. FSAs and HSAs are great to use to get a further discount on your massage therapy services as they are pre-tax dollars!