Yes, osteopath fees are fully eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA) when the services are provided to diagnose, treat, or manage a medical condition.
Why Are Osteopath Fees FSA/HSA Eligible?
Osteopathic physicians (DOs) are licensed medical doctors who diagnose and treat illness, prescribe medications, and perform surgery. They may also use osteopathic manipulative treatment (OMT), a hands-on technique used to treat pain, structural dysfunction, or mobility issues. These services are considered qualified medical expenses under IRS Code Section 213(d).
According to IRS Publication 502, payments made for medical care provided by licensed healthcare professionals—including osteopaths—are eligible for reimbursement if the services are intended to diagnose, treat, mitigate, or prevent a medical condition.
FSA- and HSA-eligible osteopathic services include:
Routine office visits with a DO
Diagnosis and treatment of chronic conditions or injury
Osteopathic manipulative treatment (OMT) for pain, posture, or mobility
Preventive exams and screenings
Prescriptions and care management by a DO
- Referrals and follow-up appointments for specialized care
What’s Not Covered?
The following are not eligible:
Services unrelated to medical care (e.g., wellness coaching or general fitness)
Manipulative treatments performed for relaxation or non-medical enhancement
Missed appointment fees or non-itemized bundled charges
Care provided by non-licensed individuals
To qualify, the services must be medically necessary and performed by a licensed osteopathic physician.
How to Use Your FSA or HSA for Osteopath Fees
You can use your FSA or HSA card to pay for eligible osteopathic services directly at your provider’s office. If you pay out of pocket:
Request an itemized invoice showing the nature of the visit and treatments
Ensure services are medically necessary and provided by a DO
Submit your receipts to your FSA or HSA administrator if reimbursement is required
For more details, refer to IRS Publication 502.
