Are Massage Chairs FSA Eligible? Exploring FSA and HSA Eligibility for Massage Chairs

If you’ve ever grappled with chronic back pain, you understand the quest for relief is a top priority. Massage therapy is a proven way to alleviate pain, but the cost of a massage chair can be a significant investment. What if we told you that you might be able to use your Flexible Spending Account (FSA) or Health Savings Account (HSA) to offset the expenses of a massage chair? In this guide, we will help you determine whether FSA and HSA plans cover massage chairs and empower you to make an informed decision.

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Understanding FSA and HSA

Let’s begin by comprehending what FSA and HSA accounts are and how they function before delving into the eligibility of massage chairs.

Flexible Spending Account (FSA)

An FSA is a benefit offered by employers, enabling employees to allocate pre-tax dollars from their salary to cover qualifying medical expenses. These funds are deducted from your paycheck monthly and can be utilized for healthcare costs not covered by insurance.

Health Savings Account (HSA)

An HSA is a personal savings account accessible to individuals enrolled in high-deductible health insurance plans. Contributions to an HSA are tax-deductible, grow tax-free, and can be withdrawn tax-free for qualified medical expenses.

FSA Eligibility for Massage Chairs

Determining whether massage chairs are eligible expenses under an FSA plan requires referring to IRS guidelines. Typically, expenses must be medically necessary or provide relief from a diagnosed medical condition. Unfortunately, the IRS explicitly excludes general wellness or luxury items from reimbursement.

However, there are instances where a massage chair could potentially qualify as a reimbursable expense. If you suffer from chronic back pain or have a medical condition that necessitates regular massage therapy, your FSA funds might be used to cover the cost of a massage chair. To ascertain eligibility, review your employer’s FSA plan or seek guidance from your FSA administrator.

HSA Eligibility for Massage Chairs

Similar to FSA plans, HSA accounts require that expenses be medically necessary to qualify for reimbursement. HSA guidelines are typically more flexible and may include certain items that FSAs do not cover. While massage chairs are generally viewed as luxury items, they might still qualify if they meet specific criteria.

A massage chair may be eligible for reimbursement under an HSA plan if a healthcare professional deems it medically necessary. This determination usually necessitates documentation detailing the medical need for the chair in relation to your diagnosed condition.

It is important to note that individual insurance companies and HSA administrators may have varying interpretations of IRS guidelines. We recommend contacting your insurance company or HSA administrator to confirm if purchasing a massage chair is allowed under your plan.

Top Massage Chairs That Are FSA Eligible

FSA eligibility for massage chairs depends on plan guidelines and medical necessity. Some models are commonly considered eligible. Here are some of the top massage chairs that may qualify:

Osaki OS-4000

The Osaki OS-4000 is a top-notch massage chair. This advanced massage chair features zero gravity positioning, body scan technology, and airbag massages designed for comfort and stress relief. It may qualify for FSA reimbursement if deemed medically necessary due to its therapeutic features.

Kahuna LM-6800

The Kahuna LM-6800 is unique with its great healing features like L-track massage, zero gravity position, and Shiatsu therapy. Known for its L-track massage, zero gravity position, and Shiatsu therapy, this chair offers heat therapy for the lower back and legs. If you suffer from chronic back pain or leg discomfort, consult your FSA plan administrator to check its eligibility for reimbursement.

Human Touch Novo XT2

The Human Touch Novo XT2 is a standout massage chair known for its innovative features and therapeutic benefits. This standout massage chair covers the entire body, targeting the neck, shoulders, glutes, and thighs. With zero gravity position and heat therapy, it’s designed to alleviate chronic back and neck pain. Contact your FSA plan administrator to determine its eligibility for reimbursement.

Before purchasing a massage chair, it’s crucial to check with your FSA or HSA administrator. They can provide insight into whether it’s covered by your plan based on your specific medical needs.

Factors to Consider Before Purchasing a Massage Chair

Prior to using FSA or HSA funds for a massage chair, consider the following factors:

Cost of the Massage Chair

Massage chairs vary in price, so assess whether it aligns with your budget.

Long-Term Benefits vs. Short-Term Relief

Decide if you want regular convenience or occasional professional massages for short-term relief.

Warranty and Service

Ensure the manufacturer offers reliable customer support, warranty, and maintenance services.

Space and Design

Choose a chair that fits comfortably within your living area.