If you’re considering purchasing a massager and you have a health savings account (HSA), you may be wondering if a massager is HSA eligible. In this blog post, we’ll explore the guidelines for HSA eligible expenses and discuss whether or not a massager qualifies.
What is a Health Savings Account (HSA)?
A health savings account (HSA) is a tax-advantaged savings account that can be used to pay for qualifying medical expenses. HSAs are often paired with high deductible health plans (HDHPs) and are designed to help individuals and families save money on healthcare costs.
What are HSA Eligible Expenses?
According to the IRS, HSA eligible expenses are those that are used to diagnose, treat, or prevent a medical condition. This includes expenses for medical care, such as doctor’s visits, prescription medications, and medical equipment.
Is a Massager HSA Eligible?
Now that we’ve reviewed the guidelines for HSA eligible expenses, let’s consider whether or not a massager qualifies.
Massagers for Medical Purposes
If a massager is being used to diagnose, treat, or prevent a medical condition, it may be considered HSA eligible. For example, if you have a prescription from a healthcare provider for a massager to help alleviate chronic pain or improve mobility, it may qualify as an HSA eligible expense.
Massagers for Personal Use
If a massager is being used for personal relaxation or stress reduction, it is not considered an HSA eligible expense. This is because the IRS only considers expenses that are used to diagnose, treat, or prevent a medical condition to be HSA eligible.
How to Determine if a Massager is HSA Eligible
If you’re not sure whether or not a massager is HSA eligible, here are a few steps you can take to determine its eligibility:
Check with your healthcare provider
Your healthcare provider is a good source of information when it comes to determining whether or not a massager is HSA eligible. They can advise you on whether or not the massager is being used for medical purposes and if it qualifies as an HSA eligible expense.
Consult with your HSA provider
Your HSA provider should also be able to help you determine whether or not a massager is HSA eligible. They may have a list of qualifying expenses or be able to provide guidance on specific items.
Review the IRS guidelines
The IRS provides a list of qualifying medical expenses that may be reimbursed through an HSA. You can review this list to see if a massager qualifies.
Alternatives to Massagers that are HSA Eligible
If a massager is not HSA eligible, there are still a variety of medical expenses that may be covered by your HSA. Here is a list of some common HSA eligible medical expenses:
- Prescription medications
- Doctor’s visits
- Dental care
- Eyeglasses or contact lenses
- Hearing aids
- Chiropractic care
- Physical therapy
- Lab fees
- Surgeries and hospital stays
- Medical equipment, such as crutches, wheelchairs, or oxygen tanks
- Mental health care, including therapy sessions and prescription medications
If you’re considering purchasing a massager and you have an HSA, it’s important to determine whether or not it is HSA eligible. In general, massagers that are being used to diagnose, treat, or prevent a medical condition may be considered HSA eligible. However, massagers being used for personal relaxation or stress reduction are not eligible. If you’re not sure whether or not a massager is HSA eligible, be sure to check with your healthcare provider, consult with your HSA provider, and review the IRS guidelines. There are also many other medical expenses that may be covered by your HSA, including prescription medications, doctor’s visits, dental care, and more.