Yes, psychologist services are eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA) when used to treat a diagnosed mental or emotional condition.
Why Are Psychologist Services FSA/HSA Eligible?
A psychologist is a licensed mental health professional trained to diagnose and treat emotional, behavioral, and psychological disorders through therapy, counseling, and psychological testing. Services provided by a psychologist are considered qualified medical expenses under IRS Code Section 213(d) when used to manage or treat a medical condition.
According to IRS Publication 502, the cost of therapy and mental health care by a licensed psychologist is eligible for reimbursement when the care is medically necessary.
FSA- and HSA-eligible psychologist services include:
Individual or group therapy sessions for mental health conditions
Psychological testing or evaluations related to diagnosis or treatment
Treatment for anxiety, depression, PTSD, OCD, eating disorders, and more
- Counseling for behavioral or emotional disorders in children or adults
What’s Not Covered?
The following are not eligible:
Therapy for general life improvement, relationship issues, or career coaching without a diagnosed condition
Services provided by an unlicensed individual
Wellness retreats or seminars not connected to medical care
Missed appointment fees or administrative costs not tied to treatment
To qualify, the care must be provided by a licensed psychologist and tied to a medically necessary treatment plan.
How to Use Your FSA or HSA for Psychologist Services
You can use your FSA or HSA card to pay directly for eligible psychologist services. If you pay out of pocket:
Ask for an itemized receipt showing the provider, type of service, and dates of treatment
Ensure the care is tied to a diagnosed mental health condition
Submit documentation if your plan administrator requests additional proof
For more details, consult IRS Publication 502.
