Rubdowns: FSA Eligibility

Unless necessary for the treatment of a medical condition in which a Letter of Medical Necessity (LMN) would be required, rubdowns are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

What are rubdowns?

Rubdowns are a common technique in the field of sports massage, which is a field of massage therapy that was developed to help athletes achieve optimal performance levels, recover quickly after a competition or avoid injury during heavy training. Sports massage is geared toward the prevention and healing of injuries to the muscles and tendons, and massage practitioners used a variety of techniques before, during and after exercise to keep athletes in top form.

Rubdowns are common sports massage techniques that take on a number of different forms based on the part of the body that is being worked. A rubdown can incorporate the aspects of deep tissue massage to hit trigger points and improve mobility, lighter Swedish massage on high tension areas or Shiatsu massage to promote healing and regeneration after heavy activity. In many cases, sports massage practitioners are no different than other kinds of massage therapists, but their knowledge of many different types of sports and the associated strain injuries that come with them make them the appropriate specialists for injuries resulting from physical activity.

How do I obtain a Letter of Medical Necessity (LMN) for rubdowns?

It is extremely rare that this type of physical therapy will be eligible for reimbursement with an FSA, HSA or HRA, but in some cases doctors may suggest this form of therapy as a means of recovering from surgery or a major injury. A Letter of Medical Necessity (LMN) from a doctor for rubdowns is necessary for reimbursement with most benefits providers to ensure that it is necessary for the treatment of a medical condition. This letter must outline how an account holder's medical condition necessitates rubdowns, how the treatment will be used to alleviate the issue and how long the treatment will last. If the treatment plan exceeds the current plan year, another LMN will have to be provided to the benefits administrator to cover the duration of the treatment.

Eligibility Table

Flexible Spending Account (FSA) Limited Care FSA Dependent Care FSA Health Savings Account (HSA) Health Reimbursement Account (HRA)

Eligible

Eligible with Rx

Eligible with LMN

Not Eligible

 


AZ-PROD-WEB02 11/18/2017 12:39:33 AM