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Homeopathic Medicine: FSA Eligibility

Homeopathic medicine with a Letter of Medical Necessity (LMN) from a medical doctor is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA). Homeopathic medicine is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

What is homeopathic medicine?

Homeopathy is the practice of using extremely diluted forms of natural substances that are used to treat a wide variety of ailments. Homeopathic medicine is practiced by alternative healers, or those that practice Complementary and Alternative Medicine (CAM). Homeopathic medicine and CAM cover a wide range of potential professionals who specialize in treatments, therapies and disciplines to alleviate specific medical conditions. What is considered alternative medicine today could easily become a mainstream treatment tomorrow as many of these methods undergo testing and clinical trials in the future. When these methods are combined with standard medical procedures, physicians refer to this practice as "integrative medicine."

Alternative healers can specialize in myriad disciplines, whether focusing on a full spectrum of care to treat a specific medical condition or alleviating distinct symptoms. Some 40 percent of American adults have used some type of alternative healer to treat a medical condition.

When homeopathic medicine eligible?

Homeopathy is not always thought of as legitimate by mainstream physicians, but if one of these treatments could prove useful in a treatment plan for a specific medical condition, a physician can produce a Letter of Medical Necessity (LMN) for FSA, HSA or HRA reimbursement. This letter must outline how homeopathic medicine will be used to alleviate the issue and how long their treatments will last. If these treatments will last longer than the current plan year, another LMN will have to be provided to the benefits administrator to cover the duration of the treatment.

 
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