Yes, chiropractic treatment is eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is Chiropractic Treatment FSA/HSA Eligible?
Chiropractic care involves the diagnosis and treatment of musculoskeletal conditions, particularly those affecting the spine, joints, and nervous system. When provided to treat a medical condition such as back pain, joint dysfunction, or nerve-related issues, chiropractic treatment qualifies as a reimbursable medical expense under IRS Code Section 213(d).
According to IRS Publication 502, chiropractic services are considered eligible medical expenses when they are used to alleviate a physical ailment, not when used solely for general wellness or maintenance.
FSA- and HSA-eligible chiropractic expenses may include:
Initial consultation and examination
Spinal adjustments and manipulations
Therapeutic modalities (e.g., ultrasound, electrical stimulation)
Rehabilitative exercises or therapies provided during visits
Ongoing treatment visits for an eligible medical diagnosis
What’s Not Covered?
The following are not eligible:
Chiropractic care performed solely for general wellness, relaxation, or preventative maintenance
Nutritional supplements, vitamins, or herbal remedies provided by the chiropractor (unless separately eligible)
Non-medical services such as massage or acupuncture offered at the chiropractic clinic unless medically indicated and eligible
Membership fees or prepayment plans not tied to specific treatments
To qualify, the chiropractic treatment must be intended to treat a specific medical condition and not simply to promote general health.
How to Use Your FSA or HSA for Chiropractic Care
You can use your FSA or HSA card at eligible chiropractic offices or request reimbursement. To ensure your expenses are processed correctly:
Obtain itemized invoices showing the services provided and treatment dates
Keep documentation of your diagnosis or medical purpose for care
Confirm your chiropractor is licensed and practicing within the scope of a recognized healthcare provider
For more details on eligible healthcare expenses, refer to IRS Publication 502.
