CareCredit & HSA/FSA Financing

HSA and FSA both refer to special type of savings accounts which allows you to use pre-tax dollars to cover a variety of expenses related to health, including prescriptions, copays, deductibles, and complementary treatments like massage therapy. With either account, you usually get a debit card to pay for qualifying expenses, or you submit a receipt and get reimbursed. So long as you use your HSA or FSA for health-related expenses, you don’t pay income tax on that money.

Yes, you can!  But first, check your plan coverage, specifically your FSA/HSA-eligible medical expenses.  Many plans require that you have a Letter of Medical Necessity and/or Prescription for your massage from your doctor.  It is your responsibility that you are using your funds correctly. Massage Therapy is an increasingly normalized request to ask your doctor a prescription for with the rise of Alternative Medicine and holistic treatments becoming more mainstream, so don;t hesitate to ask your doctor if this is an option for your physical or mental condition. 

No, you can not.  Your massage must be deemed medically necessary.  You must consult with your doctor and/or your plan details of what type of massage will be covered.

In most cases, a Medical Massage would be booked.  However, please give us a call to discuss your condition and our front desk would be more than happy to help you determine what type of massage meets your needs.

We’d prefer you do, but you’re not required to.  Those would be needed for your HSA/FSA plan, however, it would be helpful for our therapist(s) to understand the condition(s) needing treatment. Remember, it is your responsibility that you are using your HSA/FSA funds according to your plan. 

You may not face any IRS penalties for non-eligible expenses, however you are responsible for ensuring that all your HSA/FSA funds are used accordingly.  When used improperly your plan could charge a 20% penalty along with it being included on your W-2 form. Double-check with your employer or plan administrator if you have any questions.

No, you can not. HSA/FSA funds are for medical expenses only. For gratuity, we can accept cash, apple pay or any other major credit card.

Yes.  Depending on your plan and the amount of funds you have available, you will need to make sure there is always enough funds in your account to cover your plan. We encourage you to make sure your Wellness Plan reflects your medical needs.  Consult your employer or plan administrator for any questions before using your card.

Yes, you can. As long as you have met all the criteria of your HSA/FSA plan, we would be happy to send you an invoice that you can present to your provider.