Health Savings Account (HSA)
- Associated with high-deductible health plans
- Owned by the individual
- May or may not be employer-administered
- Contributions may roll over from year to year
- Funded with pre-tax contributions
HSA + FSA · Health Coaching
Using HSA & FSA Funds for Health Coaching
Depending on your individual circumstances, health and wellness coaching may be a qualified medical expense and reimbursable through your HSA or FSA account. This page explains the key information and the process to help you determine if it may apply to you.
HSA vs. FSA: What’s the Difference?
Flexible Spending Account (FSA)
- Employer-administered
- Contributions generally do not roll over year to year
- Funded with pre-tax contributions
Can Health Coaching Be Reimbursed?
The IRS determines which expenses are eligible for reimbursement through HSA and FSA accounts. Health and wellness coaching is not specifically named in IRS code language; however, out-of-pocket health and wellness coaching may be considered a qualified medical expense when the services are provided for the treatment or prevention of a disease.
How the Process Works
1
Talk With Your Physician
Discuss whether health and wellness coaching is appropriate for the treatment or prevention of a specific disease or condition.
2
Obtain a Letter of Medical Necessity
If your physician determines coaching is warranted, they may provide a Medical Letter of Necessity for your records and claim submission.
3
Pay for Health Coaching
Keep your receipts and any required documentation from your sessions.
4
Submit to Your HSA/FSA Plan
Follow your individual plan’s instructions for submitting claims and contact your plan administrator directly with any questions about reimbursement.
Frequently Asked Questions
What if I don’t have a medical condition?
If you do not have a specific condition that necessitates a treatment plan, current IRS language does not allow you to simply choose health and wellness coaching independently for reimbursement through an HSA or FSA account.
Does health and wellness coaching qualify as a reimbursable expense?
Health and wellness coaching is not specifically named in IRS code language; however, it may qualify as a reimbursable medical expense when provided for the treatment or prevention of a disease, and when referred by a physician as part of a treatment plan.
Whom do I talk to about reimbursement?
We recommend discussing your specific situation with your physician and contacting your HSA or FSA plan administrator to confirm eligibility and to understand their claims process and required documentation.
Please note: Eligibility and reimbursement for health and wellness coaching through HSA or FSA accounts depend on your individual plan and applicable IRS rules. Frey Wellness does not guarantee reimbursement. We encourage you to verify your specific coverage and requirements with your plan administrator.
Have Questions About Using HSA or FSA Funds?
Contact Frey Wellness or speak with your physician and plan administrator to understand your options.
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