Can You Use HSA or FSA
for Massage Therapy? Yes — Here's How

One of the most common questions we receive is whether clients can pay for massage therapy using their HSA (Health Savings Account) or FSA (Flexible Spending Account) funds. The short answer is yes — in most cases. Here is what you need to know.

Is Massage Therapy an Eligible HSA/FSA Expense?

Massage therapy is considered a qualified medical expense under IRS guidelines when it is prescribed by a licensed physician to treat a specific medical condition. Conditions that commonly qualify include chronic back pain, neck pain, sciatica, tension headaches, post-surgical recovery, lymphedema, and musculoskeletal conditions diagnosed by a doctor.

How to Use Your HSA or FSA at HyFlow Massage LLC

• Step 1 — Get a Letter of Medical Necessity: Ask your primary care physician or specialist to write an LMN stating that massage therapy is prescribed for your condition. Most doctors are familiar with the request.
• Step 2 — Pay with Your HSA/FSA Card: We accept HSA and FSA debit cards directly at checkout — just like a regular debit card.
• Step 3 — Request a Superbill: If your administrator requires documentation, ask us for a superbill after your session. We provide superbills with CPT codes, session date, provider name, license number, and NPI.
• Step 4 — Submit for Reimbursement (if needed): Submit the superbill and LMN to your HSA/FSA administrator or insurance plan. Approval timelines and coverage amounts vary by plan.

CPT Codes Used at HyFlow Massage LLC

• 97124 — Massage Therapy: Swedish, Deep Tissue, Therapeutic, Sports, Lomi Lomi, Prenatal & Postpartum, Children's Massage
• 97140 — Manual Therapy (incl. lymphatic drainage): Lymphatic Drainage, Post-Surgery Recovery, Slimming & Body Contouring
• 97010 — Hot/Cold Pack Application: Sessions including hot stone or cold therapy add-ons

CPT code selection depends on the actual service content of your session and is documented on your superbill. Reimbursement is not guaranteed and depends on your plan.

Out-of-Network Insurance Benefits

HyFlow Massage LLC also works with clients using out-of-network insurance benefits. We recommend calling your insurance provider before your first session and asking: Does my plan cover out-of-network massage therapy (CPT 97124) or manual therapy (CPT 97140)? Is a physician referral or LMN required? What is my deductible and reimbursement percentage?