FSA, or Flexible Spending Account, is a great way to save money on healthcare expenses. This account allows you to set aside pre-tax dollars for medical costs. Learn how an FSA can be used for therapy services. We will also provide a list of qualifying expenses that can be reimbursed through an FSA. As you read on and learn about the rules and regulations regarding an FSA, you will also learn some of the benefits. In addition, you will learn about the services Mindflow Recovery Institute offers.

Everything You Need to Know About FSA and Therapy

Everything You Need to Know About FSA and Therapy

Yes, you can use FSA for therapy services. The IRS considers therapy to be a qualified medical expense, which means it can be reimbursed through your FSA. Although, talk therapy or behavioral counseling with a letter of medical necessity may be a qualified medical expense while something like marriage counseling or life coaching may not. Online therapy typically replaces what would be a normal psychological or psychiatric therapy session at your mental health care provider’s office. The same rules apply when it comes to HSA and FSA coverage.

Health Savings Account Versus Flexible Spending Account

HSA (Health Spending Account) and FSA are both great ways to save money on healthcare costs. HSA is a tax-advantaged savings account that can be used to pay for qualified medical expenses. FSA is a bit different in that it is employer-sponsored and the funds are deducted from your paycheck on a pretax basis. The HSA can pay for medication, including prescriptions from your psychiatrist or general practitioner to manage mental health conditions like anxiety or depression. Talk therapy and psychiatric care are likely HSA/FSA “eligible,” but it’ll be necessary to talk to your human resources department to understand how to approach the situation first. 

FSA for Family Counseling

Many people do not know that they can use their FSA for their family they set it up to be used for their family by their employer. If you or a family member is struggling with a mental health issue, you may be able to use FSA funds to cover the cost of counseling services. This includes both individual and family therapy sessions. For FSA eligibility therapy, mental health: requires a Letter of Medical Necessity (LMN) to be eligible with a Flexible Spending Account (FSA) medical or mental health therapy is eligible for reimbursement with a flexible spending account.

FSA for Marriage Counseling

If you are experiencing marital problems, you may be able to use FSA funds to cover the cost of marriage counseling. According to the IRS, mental health therapy and treatment that is deemed ‘medically necessary’ is eligible for reimbursement with an FSA. Therapy not required for a medical or mental purpose will typically not qualify, such as marriage or family counseling .” You might need to provide a letter of medical necessity if you’re audited or requested it for an FSA.

Common therapy expenses that can be covered by FSA include:

-Counseling services


-Speech therapy

-Occupational therapy

-Physical therapy

Mindflow Recovery Institute Clears up the Details

Mindflow Recovery Institute Clears up the Details

It has been researched by Substance Abuse and Mental Health Services Administration reports that 30% of people with mental health conditions don’t seek treatment. Plus, on June 24th, 2021 it was discovered that the unfortunate reality is that many people don’t seek treatment for their mental health issues.

Don’t understand how all of this works? Don’t worry, the mental health professionals at Mindflow Recovery Institute can clear everything up for you and explain in a way that makes sense. Our team of professionals is ready and standing by, all you need to do is call 833-957-2690!

Mindflow Recovery Institute offers so much more and the best part is you can get therapy online from the convenience of your own home! A relaxed setting will help lower anxiety and improve your counseling experience. Our team of professionals offers services for individuals dealing with alcohol addiction, anxiety disorder, depression, PTSD, trauma recovery, and more! Our goal is to get you the treatment you need and come up with a personalized plan to get you started NOW! Ask about financial assessments even if you do not have an FSA to help with expenses.

Medical Necessity for Your Emotional and Mental Health

To use an FSA for therapy, the treatment must be considered medically necessary. This means that the therapy must be prescribed by a physician to treat a specific medical condition.

Additional Benefits of FSA Account for mental Health:

-Save on taxes

-Great use for unexpected healthcare costs

-Can be used to cover hospital fees

Mental Health Care

Do not allow your FSA to go to waste if you have one! Your mental health issues are important. Even if you think it is no big deal, it never hurts to get a professional opinion about your mental health condition. Mental health treatments are more widely available now than ever before. The amazing news is that you can pay for some mental health treatments and services with your Flexible Spending Account (FSA). It may sound complicated – but FSAs and HSAs are often a win-win for many people, as they allow you to reduce your tax liability and pay for your mental health care expenses, using pre-tax funds.

FSA Eligibility Counseling

A Flexible Spending Account (FSA) medical or mental health counseling is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), and health reimbursement account (HRA). Not only can you help the well-being of your brain, but you will help the well-being of your pockets too!

FSA Qualifying Expenses

Several different expenses can be reimbursed through FSA. Below, we have provided a list of some of the most common qualifying expenses:

-Doctor visits

-Dental care

-Vision care

-Prescription medications


-Physical therapy


Frequently Asked Questions

What is an FSA?

FSA is an acronym that stands for “Flexible Spending Account.” An FSA is a benefit offered by many employers that allow employees to set aside a portion of their paycheck on a pre-tax basis to be used for qualified medical expenses.

Can an FSA be used for mental health services?

Yes, an FSA can be used to cover the cost of mental health services such as psychotherapy and counseling.

What other types of expenses can be covered by an FSA?

In addition to mental health services, FSAs can also be used to cover a wide range of other medical expenses, including doctor visits, dental care, and vision care.

Are an HSA and FSA the same thing?

No, a Health Savings Account (HSA) is not the same as a Flexible Spending Account (FSA). An HSA is a tax-advantaged savings account that can be used to cover qualified medical expenses. An FSA is an employer-sponsored benefit that allows employees to set aside a portion of their paycheck on a pretax basis.