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Asked and Answered: Why aren't comfort and relaxation considered for FSA eligibility?
The truth is, there's a lot more to your overall well-being than routine doctor's appointments and prescription medications. Being comfortable and taking the time to relax is important for both physical and mental health.
But, if you've ever looked at our FSA eligibility list, you've probably noticed an absence of things like massages, yoga classes, meditation retreats, and other things that can enhance your well-being. This is because the IRS has strict guidelines about what is considered a qualified medical expense, and comfort and relaxation currently don't fit into those standards.
Why aren't they qualified expenses?
According to the IRS, for an expense to be eligible the item or service needs to be for the diagnosis, treatment, mitigation or prevention of a disease or condition. Items and services that you purchase solely for your comfort and relaxation generally don't fit into any of these categories. So while they might be necessary for your overall comfort, they aren't considered a medical necessity.
The good news is that you can still use your FSA funds to help achieve comfort and relaxation, as long as that comfort comes from treating a specific medical need.
So, what's eligible?
There are many items and services that you can purchase with your FSA that will help you find comfort and relax. Many people are surprised to learn just how many items are considered eligible expenses and find that they can make purchases that allow them to achieve what they're looking for. Some of these items include:
Acupressure Mats: In this writer's eyes, all discussions of FSA-eligible pain relief start here. Acupressure mats are an excellent way to relieve muscle discomfort, and many people find them to be the perfect remedy for back pain after a long day of sitting in an office chair.
When used regularly, they can even help improve circulation and flexibility. They're eligible for reimbursement with your FSA and can be used just about anywhere you have room to lay down.
Acupuncture Therapy: This centuries-old technique is popular amongst people who suffer from chronic pain and discomfort. The acupuncture technician uses thin needles to target precise points on your body which will ease the pain. In addition to muscular pain, many people use this technique to find relief from frequent migraines.
And acupuncture therapy is generally considered FSA-eligible without a prescription. In some cases, administrators may require a Letter of Medical Necessity (LMN) to substantiate the expense, so check with yours before making that appointment.
Heating Pads: Heating pads are a popular and simple way to ease pain and provide comfort. Applying heat can help ease muscle pain, menstrual cramps, ear aches, and headaches. These pads are FSA-eligible and come in a variety of styles and sizes.
Foot Circulators: Not a month goes by where someone from our writing team sings the praises of these foot circulators. And once you try one, there's a good chance you'll do the same thing.
If you spend a lot of time on your feet, you've probably experienced tired, aching feet on a regular basis. Foot circulators help relieve this discomfort with electrical stimulation. This eases pain, improves circulation, and helps minimize swollen ankles and legs. These circulators are FSA-eligible and can make staying on your feet all day considerably more comfortable.
So, what's the takeaway here? While you can't turn to your FSA exclusively for comfort and relaxation purposes, it doesn't mean you won't enjoy those benefits while treating your specific medical needs. Because, after struggling with some serious aches and pains over the years, there's nothing more relaxing than treating and relieving it with the products mentioned above.
From FSA basics to the most specific account details, in our weekly Asked and Answered column, our team gets to the bottom of your most-pressing flex spending questions. It appears every Wednesday, exclusively on the FSAstore.com Learning Center. And for the latest info about your health and financial wellness, be sure to follow us on Facebook, Instagram and Twitter.