Can I Use HSA for Massage Therapy?

The majority of flexible spending accounts (FSAs) and health savings accounts (HSAs) allow spending on massage therapy, which is one of the eligible medical expenses, and some massage guns are also eligible for FSA/HSA spending. Most demand proof of medical necessity from your primary care physician. In order to use FSA/HSA funds for massage therapy, some providers require a letter of medical necessity from a primary care physician, outlining the reasons why the massage is medically necessary, the number of sessions needed, and the length of treatments. This means that you have a better chance of getting your massage paid by your insurance company! A letter from your physician is usually sufficient.

FSAs and HSAs are both tax-advantaged accounts that enable individuals to save funds to meet eligible medical costs. There are some significant variations between the two types of accounts. Let’s discuss these incredible accounts and how they can be of great use to you!

What is a Health Savings Account (HSA)?

Health Savings Accounts (HSAs) are tax-advantaged medical savings accounts for Americans with high-deductible health plans (HDHP). You may use HSA funds to pay for insurance deductibles and other qualified medical expenses, including massage therapy.

In 2019, the yearly cap on contributions to health savings accounts for those covered by only one insurance plan was $3,500. For people covered by family health insurance policies, the maximum yearly HSA contribution is $7,000. HSA funds released to pay for eligible medical expenditures are tax-exempt.

If you withdraw money from your HSA before the age of 65 for unapproved reasons, you are subject to paying a 20% tax on this money. After the age of 65, you are free to access HSA funds without incurring any fees.

What is a Flexible Spending Account (FSA)?

Employers often set up Flexible Spending Accounts (FSAs). They are also sometimes referred to as Flexible Spending Arrangements. Typically, they are supported by a pre-tax deduction from the employee’s paycheck, allowing employees to contribute pre tax dollars. Employers may also contribute to their employees’ FSAs.

You aren’t required to have health insurance to have an FSA. However, the two may be used in combination. You can use money from your FSA toward medical costs such as deductibles, vision care, or dental care. FSAs can also be used to cover eligible healthcare expenses, including massage therapy.

Some flexible spending accounts have a provision called “use it or lose it,” which states that any money left in the account at the end of the year must be returned to the employer. Employers do have the option of allowing employees to roll over up to $500 to the following year. They can also enable members to access their assets during a grace period, which expires on March 15 of each year.

What is the difference between an HSA and an FSA?

The primary difference between these two plans is that the funds in an HSA stay in the account from year to year. As a result, even if you don’t have too many medical costs in a given year, you can still put money away for future use. On the contrary, FSA funds often have a usage deadline of December 31 of the year in which they were contributed. FSA money won’t be carried over into the following fiscal year.

Both HSAs and FSAs allow individuals to save pre-tax dollars for medical expenses, providing tax advantages and reducing out-of-pocket costs. While HSAs and FSAs aren’t identical, the distinctions between the two accounts are irrelevant when it comes to paying for a massage. However, if you have an FSA with money left over at the end of the year, this is an excellent opportunity to schedule an appointment for a massage.

How much can I save on qualified medical expenses with an HSA/FSA?

By using your health savings account (HSA) or flexible spending account (FSA) funds to cover medical expenses like massage therapy, you can reduce spending on massages by 30-40% per year. You could save an even greater amount if you join a membership program.

Why would you want an HSA or FSA?

HSAs and FSAs have numerous advantages, the most important being the ability to save money. They can also be used to cover other medical expenses, providing flexibility and control over healthcare spending. Furthermore, even though nobody wants to believe they could experience a medical catastrophe, emergencies do happen. Therefore, keeping some cash available in case of unexpected health expenses is vital for your sense of financial security.

Are electric massagers FSA or HSA eligible?

Yes, some electric massagers are FSA and HSA eligible. However, not all electric massagers may be eligible. A massage therapist's recommendation may be required to ensure the eligibility of electric massagers for FSA/HSA. If you want to enjoy the benefits of an electric massager while making a smart financial decision, make sure your new massager meets FSA or HSA eligibility criteria.

Are Zarifa USA products HSA/FSA eligible?

All Zarifa USA products are considered legitimate medical expenses for HSA and FSA. This means you can contribute your health savings funds towards the purchase of any of our products!

HSA/FSA Eligible Zarifa USA Products

Don’t have the time to visit a clinic for physical therapy? No need to worry. The following eligible medical expenses for HSA/FSA will surely save you time and stress. Let’s have a look at our favorite Zarifa USA products!

Zarifa USA provides customers with a choice between three massage guns: the Z-Smart, the Health+, and the Mini Massage Gun. The Z-Smart Massage Gun is equipped with 20 different speeds that can reach up to 3200 RPM. The Health+ Gun can reach up to 3500 RPM with 9 different speed settings. These guns include a total of eight unique massage points, a touch screen display, and a minimum five-hour battery life. The Mini Massage Gun comes with 5 different speed settings, 4 different attachments, USB-C charging, and 4-hour battery life.

Classic Cushion

The classic massage cushion is equipped with heat and vibration technology. It gives an efficient tension-reducing massage. This thick cushion aims to release tight muscles and stimulate anti-inflammatory effects. It maintains its stability with its rigid exterior materials. You can trust that it will not compress while you are receiving your massage therapy.

The classic massage cushion‘s heating system imitates the calming effect of a genuine jade stone massage. It is effective in reducing muscle tightness, involuntary muscular spasms, prolonged strain and stress, and other types of discomfort.

While experiencing a massage from the Classic Cushion, you may feel as though you are floating. It’s a great way to wind down before bedtime.

The best part is that you can use your health savings account (HSA) or flexible spending account (FSA) to pay for it.

Foot Massager

With Zarifa’s easy-to-use Foot Massager, you can finally say goodbye to aching feet and calves. Precise Point Technology massages away the aches and pains of tired feet. Use your HSA or FSA funds to buy one and give yourself a peaceful massage experience.

Eye Massager

After a long and stressful day, the Z-Smart Eye Massager is exactly what you need. This eye massager can relieve visual fatigue and help you get a better night’s sleep. You feel more refreshed the following day after using the eye massager.

Your eyes are sensitive organs with unique requirements for therapeutic massage. The Z-Smart Eye Massager is equipped with five different settings. You can choose from the following optical massage modes: integrated mode, clear mode, sleep mode, vitality mode, and smart mode. Select your desired curative effects with the press of a button.

Pay for your eye massager using either an HSA or an FSA. We are certain that you will adore it.

How can I use an HSA, FSA, or HRA card to pay for Zarifa USA products?

Zarifa USA makes it simple for you to use your HSA, FSA, or HRA card. At the time of purchase, all you have to do is input your card information just as you would with any other credit card. We rapidly process your payment directly from checkout. 

To use an HSA, FSA, or HRA card to pay for Zarifa USA massage guns or back, neck, and eye massagers, follow these steps:

1. After adding products to your digital cart, proceed to check out. Input your contact information and shipping address.

2. Choose your shipping and delivery method.

3. Input the details for your HSA, FSA, or HRA card in the area labeled "Credit card."

4. Confirm your purchase.

That's all! You can then relax knowing that our reliable shipping department will deliver your new products on time.

The bottom line

The benefits of massage extend well beyond stress relief. Massage provides many people with pain relief that cannot be achieved by taking medicine. Opt for a massage therapy that is eligible for HSA or FSA payment, like Zarifa USA products, to gain tons of benefits at the same time!