Yes, red light therapy devices are eligible for reimbursement through a Flexible Spending Account (FSA) or Health Savings Account (HSA) if they are marketed towards use for medical and not cosmetic purposes.
Why Is Red Light Therapy FSA/HSA Eligible?
Red light therapy qualifies for FSA/HSA reimbursement because it is recognized as a therapeutic treatment for certain medical conditions. According to IRS guidelines and SIGIS standards, products or services that diagnose, treat, or manage specific medical conditions are eligible for FSA/HSA funds.
Red light therapy is commonly used to address the following conditions:
Skin Disorders: Such as eczema, psoriasis, or acne.
Wound Healing: To promote tissue repair and reduce inflammation after surgery or injury.
Chronic Pain or Joint Issues: To alleviate pain and stiffness associated with arthritis or musculoskeletal conditions.
How to Use an FSA/HSA to Buy Eligible Red Light Therapy Devices
If you are purchasing a red light therapy device using FSA/HSA funds, follow these steps:
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Shop for Eligible Products:
Visit retailers like buyFSA.com or the buyFSA app and search for FSA/HSA-approved red light therapy devices , such as masks or handheld devices.
Add your desired products to your cart.
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Complete Your Purchase:
At checkout, provide your FSA/HSA card details for payment.
If the retailer does not accept FSA/HSA cards, pay out-of-pocket using a personal credit card and retain your receipt for reimbursement.
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Submit a Reimbursement Claim (if needed):
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If you paid out-of-pocket, submit your receipt with the following information to your FSA/HSA provider:
Name of the provider or retailer.
Date of purchase (must fall within the FSA plan year).
Description of the product purchased.
Itemized list with UPCs (if applicable).
Total purchase amount.
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Keep Documentation:
Retain all receipts and documentation in case additional verification is required.
