Yes, acupuncture is eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA). As a recognized medical expense, acupuncture qualifies under IRS Code Section 213(d) when it is used to treat or manage specific health conditions.
Why Is Acupuncture FSA/HSA Eligible?
Acupuncture is FSA/HSA eligible because it is classified as a medical treatment aimed at alleviating pain and managing various health conditions. This therapeutic practice involves stimulating specific points on the body to relieve pain, reduce stress, and address chronic conditions such as migraines, arthritis, or back pain.
The IRS guidelines consider treatments provided by licensed healthcare professionals, such as licensed acupuncturists, as reimbursable medical expenses. Acupuncture’s focus on treating recognized medical conditions makes it eligible for payment or reimbursement through FSA and HSA funds. However, acupuncture for general wellness or relaxation purposes may not qualify unless prescribed by a healthcare provider.
How to Purchase Acupuncture With a FSA/HSA
You can pay for an acupuncture session using your Flexible Spending Account (FSA) or Health Savings Account (HSA) by swiping your FSA/HSA card at the point of sale. The machine will charge the service to your account, provided you have enough funds available.
You can also pay out of pocket and submit the receipt to your provider for reimbursement. Ask your acupuncture service provider for a detailed receipt with the following information written on it before leaving the clinic:
Name of the provider
Date of purchase/service rendered (note that for services, they must be rendered within the plan year for FSAs)
Description of items/services rendered
Itemized list of products purchased with UPCs (if purchasing items at a retailer that doesn’t accept FSA/HSA cards or if using a regular credit card)
Total amount of purchase
Are Acupressure Products FSA/HSA Eligible?
Yes, acupressure products are universally FSA/HSA eligible and do not require a letter of medical necessity (LMN). These products are considered medical devices designed to alleviate pain, improve circulation, and manage conditions such as muscle soreness, tension headaches, and stress.
Eligible acupressure products include:
- Acupressure Mats and Pillows: Designed to stimulate pressure points on the body to relieve pain and tension.
- Acupressure Tools: Handheld devices or rollers used to target specific areas of discomfort.
- Acupressure Bands: Wearable items, such as wristbands, often used for managing motion sickness or nausea.
Since these items are explicitly marketed and used for therapeutic purposes, they qualify as reimbursable medical expenses under IRS Code Section 213(d). Simply retain the receipt for your purchase and submit it to your FSA/HSA provider if required for documentation.
