Talk to your doctor
If you have a chronic pain condition, are recovering from surgery, are pregnant, or deal with anxiety or migraines, ask your doctor whether massage therapy is medically appropriate. If yes, ask for a Letter of Medical Necessity.
If you've got pre-tax health dollars sitting in an HSA or FSA, therapeutic massage is often eligible — when there's a medical reason behind it. Here's how it works, what we accept, and what you'll need from your doctor.
The short version
Therapeutic massage is often eligible when there's a documented medical condition behind it — chronic pain, recovery from injury or surgery, pregnancy support, anxiety, migraines, and similar.
You'll usually need a Letter of Medical Necessity from your doctor. It's a short note — diagnosis, recommendation, frequency. Most plans want one on file.
We accept HSA and FSA cards at checkout. If your card declines, pay another way and we'll give you an itemized receipt to submit for reimbursement.
Plan rules vary. We can help with documentation, but only your HSA or FSA administrator can confirm what's covered under your specific plan.
A starting point — final eligibility is up to your plan administrator.
All require a Letter of Medical Necessity except where the medical reason is already documented in your plan.
For these, plan on paying with a regular form of payment.
If you have a chronic pain condition, are recovering from surgery, are pregnant, or deal with anxiety or migraines, ask your doctor whether massage therapy is medically appropriate. If yes, ask for a Letter of Medical Necessity.
A Letter of Medical Necessity is a short note from your provider stating the diagnosis, why massage is recommended, and the suggested frequency. Your HSA or FSA administrator may have a specific form they prefer — check their portal first.
Book any therapeutic massage that fits your need — deep tissue, prenatal, lymphatic, reflexology. You don't need to do anything different at booking. Mention your situation if you have specific requests.
Use your HSA or FSA card at checkout, or pay another way and request an itemized receipt. Keep your receipt and LMN together — your plan may ask for both during a routine audit.
It's a short, clinical letter. Most providers can write it during a visit or upload it through your patient portal in a few minutes. Bring this list with you so they have what they need.
Some HSA and FSA administrators have a fillable LMN form on their member portal. Check there first — it's faster than a custom letter.
Sample · for reference only
Letter of Medical Necessity
To Whom It May Concern,
I am the treating physician for [Patient Name], who has been diagnosed with [condition]. I am recommending therapeutic massage as part of their treatment plan to address [symptom or goal].
I recommend treatment [frequency] for an initial period of [duration], with continued sessions as clinically indicated.
Please consider this letter authorization to use HSA / FSA funds toward this care.
[Provider Name, Credentials, NPI]
[Signature, Date]
Not legal or tax advice. Use as a starting point only — your provider will adapt it for your situation, and your plan administrator may have a specific form they prefer.
If your card doesn't go through or your plan needs paperwork, we've got you.
Date, service, duration, amount, our business info, and a transaction ID — everything most plans ask for.
Therapist name, license number, and our NPI if your plan needs them on the receipt.
If your plan has questions about a charge, call us and we'll send what they need. We don't bill insurance directly, but we make filing easy.
Important
We provide this guide for general information only. We are not tax advisors, accountants, or insurance brokers, and IRS rules and HSA / FSA plan terms can change. Final eligibility is determined by your plan administrator and your tax situation. When in doubt, check your member portal or call your plan's customer service line — your card itself is usually the fastest way to reach them.
Choose your service, bring your card and your LMN, and we'll handle the rest.