💳 Can You Use Your HSA or FSA for Massage? Yes — Here’s How

Here’s a not-so-secret tip for getting regular massage without breaking the bank: you may be able to use your HSA or FSA for massage therapy — and yes, we accept both right here at Fancy’s Day Spa. 🙌

Most people think of massages as just a luxury. But the truth is, therapeutic massage can play a big role in your health and wellness — and the IRS agrees. That’s why, in many cases, you can use pre-tax dollars from your Health Savings Account (HSA) or Flexible Spending Account (FSA) to cover your session.

If you’ve got those benefits sitting in your account, let’s put them to work for your well-being.

🧾 What’s an HSA or FSA, and How Does It Work?

Let’s start with the basics.

HSA (Health Savings Account) – usually paired with high-deductible health plans. Funds roll over year to year.
FSA (Flexible Spending Account) – use-it-or-lose-it model (funds often expire at the end of the plan year).

Both are designed to help cover qualified medical expenses — including therapeutic services like massage. That means you can use your HSA or FSA card just like a regular debit card to pay for treatments that support your health.

💆‍♀️ When Does Massage Qualify as a Medical Expense?

Massage therapy typically qualifies when it’s prescribed to treat or manage a specific health condition. For example, your massage may be covered if it’s used to help with:

Chronic pain or injuries
Back, neck, or shoulder issues
Migraines or headaches
Fibromyalgia or arthritis
Anxiety or high stress
Sciatica or postural imbalance
Athletic recovery or rehabilitation

The IRS allows massage to be considered a valid medical expense when it’s deemed medically necessary. To prove that, you may need a document called a Letter of Medical Necessity (LMN).

📝 What’s a Letter of Medical Necessity?

A Letter of Medical Necessity is a quick form your doctor fills out that confirms massage therapy is being used to treat a health issue. It usually includes:

The diagnosis or condition
How massage therapy helps
How often you’ll receive treatment
The timeframe for care (i.e., 6 months, 12 sessions, etc.)

It doesn’t need to be fancy — most doctors have a simple template. And once it’s done, you can keep it on file in case your HSA/FSA provider requests it.

💡 Already have a prescription or referral? Great — bring it with you or send us a copy!

✅ How to Use Your HSA or FSA for Massage at Fancy’s Day Spa

We make it simple — and we’re happy to walk you through it if it’s your first time using benefits for massage!

Here’s what to do:

Book your massage just like you normally would.
Pay with your HSA or FSA debit card (in-person or online, depending on your plan).
Ask for a detailed receipt — we can include session descriptions or your provider’s diagnosis if needed.
Keep your LMN on file in case your benefits provider requests documentation.

📎 Want more details? Visit our HSA/FSA info page here

💸 Don’t Let Those Benefits Expire

One of the biggest reasons people don’t use their HSA or FSA for massage is simply because they didn’t know they could.

Even worse? FSA funds often expire at the end of the year. If you don’t use them, they disappear.

Massage therapy is one of the most rewarding, health-boosting ways to use those funds before they go to waste.

🤔 FAQs About Using HSA/FSA for Massage

Do you need a doctor’s note every time?
Nope — just once! Most providers accept a single LMN good for the calendar year or the recommended treatment period.

What if my card doesn’t work at checkout?
Some cards don’t auto-approve massage charges. No worries — you can pay out of pocket and request a reimbursement with our itemized receipt.

Do all massages qualify?
Therapeutic sessions are usually covered. If you’re booking for general relaxation, it may not qualify unless noted by your doctor.

✨ Ready to Book?

Massage is more than a luxury — it’s a legitimate, restorative way to support your health. And with your HSA or FSA card, it might already be paid for.

📅 Click here to schedule your massage
💳 Learn how to use your benefits here
📞 Have questions? Give us a call — we’re here to help!

The Fancy Edit