Are you interested in buying a massage chair, but you’re not sure if you can afford it? Fortunately, you may be able to use your HSA to help pay for the purchase. Below, we’ve put together a guide that can explain how to get insurance to pay for your massage chair in a few simple steps.
Use Hsa/Fsa for Massage Chair & other Massagers
Will My Insurance Pay for My Massage Chair?
This is the answer everyone wants to know, and unfortunately, we can’t answer this question. Depending on your insurance plan, the answer could be a straightforward “yes” or “no.”
If you’ve already paid your deductible, it’s unlikely your insurance will pay for the massage chair in its entirety. However, before you pay for the whole thing out of pocket, consider using your FSA (Flexible Spending Account) or HSA (Health Savings Account). If you have one of these two accounts, your insurance will likely cover at least some of the cost of your massage chair.
In this article, we’ll specifically look at using an HSA to pay for your massage chair.
What is an HSA?
An HSA is an individual medical account where you can deposit pre-tax earnings. You can then use these as part of your health coverage via your insurance company. Having an account like this provides greater flexibility regarding what health purposes you can use your funds for.
HSAs act as “tax havens” and thus have limits on how much can be placed in them (typically a few thousand dollars per person. Both policyholders and employers can make deposits into an HSA. Each year, your funds will roll over, and this allows you to accumulate quite a bit of capital that could be used on an item like a massage chair.
How Can I Use an HSA to Pay for My Massage Chair?
1. Read your insurance policy
Read your insurance policy to see if it will help you pay for a massage chair. You may notice that your policy has a clause on medical massages. The information in this clause will help reveal to you whether they will assist you with payment or not.
2. Reach out to your insurance provider
Even if your insurance provider has a clause regarding medical massages, it never hurts to reach out to the provider to make sure that it will apply to massage chairs. You want to double-check that having an HSA means that you can use your funds to purchase a massage chair.
3. Identify your ailment
In order for insurance to cover your massage chair, it will need to treat some kind of illness or disorder in your body. Unfortunately, they won’t just cover it because you think it would be nice to have. As such, you’ll want to identify how a massage chair will help you and an illness you’re suffering for. Then, you’ll need to meet with a doctor. The most common reason that insurance pays for massage chairs is due to chronic back problems
4. Meet with your doctor
Your doctor will need to prescribe massage therapy to you for your illness or disorder before you can move ahead with purchasing a massage chair with your HSA. If you’ve been seeing your doctor about your illness for some time, then this should be a fairly easy process. If you’re seeing a doctor for the first time, make sure you cover all the symptoms you have as well as the treatment options you’ve sought. Most doctors won’t recommend massage therapy initially. However, if you believe it will help you, you can advocate for it
5. Order your chair
The next step is ordering the chair. Depending on how your HSA works, you may be able to order the chair online using the provided just like a credit card. Otherwise, you may need to receive a reimbursement from your HSA. Whatever the case, make sure you’ve done your research and have your documentation from your doctor.
Final thoughts
Getting a massage chair can help you live pain-free. Unfortunately, they’re also an investment, and if you’re not able to make the purchase without some financial help, don’t worry! Investigate whether you can use your HSA to make the purchase. This will relieve you of the financial burden and allow you to improve your quality of life.
Visit Zarifa USA massage chairs to find the right chair for you.
