Aromatherapy is typically not eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA). In rare cases, aromatherapy may qualify with a Letter of Medical Necessity (LMN) if prescribed by a healthcare provider to treat a diagnosed medical condition.
Why Is Aromatherapy Not FSA/HSA Eligible?
Aromatherapy involves the use of essential oils and scented products, often marketed for relaxation, mood enhancement, or general wellness. Because these uses do not directly diagnose, treat, or prevent a medical condition, aromatherapy is generally classified as a personal or cosmetic expense rather than a medical one.
According to IRS Publication 502, expenses that promote general health without treating a specific illness are not eligible for reimbursement. Essential oils and aromatherapy products usually fall into this excluded category.
What’s Not Covered?
Essential oils purchased for general relaxation, stress relief, or cosmetic purposes
Diffusers, candles, or other accessories for home or spa use
Aromatherapy products marketed for wellness or lifestyle enhancement without medical documentation
LMN and Exceptions
In rare situations, a physician may recommend aromatherapy as part of a treatment plan for a diagnosed medical condition such as anxiety, insomnia, or chronic pain. In these cases, an LMN may make the expense eligible.
To pursue reimbursement:
Consult your healthcare provider about the medical use of aromatherapy.
Obtain a Letter of Medical Necessity (LMN) that specifies the condition being treated and the recommended product(s).
Submit the LMN to your plan administrator for review.
If approved, purchase the product with your FSA/HSA card or pay out of pocket and file for reimbursement.
Retain the LMN, receipts, and approval documentation for your records.
Because acceptance of LMNs varies by plan administrator, approval is not guaranteed.
