Holistic Healers: FSA Eligibility

Holistic Healers: eligible with a Flexible Savings Account (FSA)
Holistic healers are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Holistic healers reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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What are holistic healers?

Holistic healers are practitioners of complementary and alternative medicine (CAM) that falls outside of mainstream medicine, but increasing numbers of physicians have begun to embrace CAM treatments in tandem with traditional treatments in a practice called "integrative medicine." Holistic medicine encompasses a wide range of treatments and therapies, but its medical philosophy is rooted in the search for optimal health and wellness through the balance between the mind, body, spirit and emotions (Mayo Clinic).

Holistic healers utilize a wide range of potential treatments, and some practitioners may vary in their past training and disciplines to treat specific health issues. Some of the most common holistic treatments include via WebMD:

  • Patient wellness education: In addition to direct treatments for specific medical conditions, holistic healers can also assist patients in making better choices for their long-term health. Healers may recommend a wide variety of wellness changes, including dietary changes, exercise , psychotherapy, relationship and spiritual counseling to tackle lifestyle issues that may be the source of a patient's medical problems.
  • Healing therapies: In addition to their expertise in a wide variety of wellness issues, holistic healers utilize a wide variety of direct therapies to treat a wide range of health issues. Some of the most popular holistic therapies include acupressure/acupuncture , Ayurveda medicine, bodywork, homeopathy, energy-based therapies and more.

How do I obtain a prescription for holistic healers?

If a physician believes that a patient could benefit from complementary and alternative medicine offered by a holistic healer, these medicines require a prescription for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). The services rendered by holistic healers can be paid for with funds from a consumer-directed healthcare account with the proper documentation submitted to the account holder's benefits administrator on a case-by-case basis, but if any medicines are offered to treat the medical condition, a prescription is required for reimbursement.

As a result of the passage of the Patient Protection and Affordable Care Act (PPACA), as of January 1, 2011, OTC items containing an active medical ingredient require a prescription for reimbursement with an FSA, HSA or HRA. To reimburse the cost of OTC medicines and drugs under FSAs, HSAs and other consumer spending accounts, account holders must submit a prescription for each product.

However, not every OTC product falls under this distinction and thousands of products continue to remain eligible without a prescription including bandages, first aid supplies, most sunscreen , diagnostic products, products for infant care and so much more. For more information on a specific product, be sure to consult our Eligibility List.