Yes, You Can Use Your FSA or HSA for Physical Therapy—Here’s How
When it comes to healthcare, no one wants to leave money on the table—especially when it’s your own hard-earned dollars set aside for medical expenses. If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you may not realize that physical therapy is an eligible expense. That means you can use pre-tax dollars to recover faster, reduce pain, and invest in long-term health.
🔍 What Are FSA and HSA Accounts?
FSA (Flexible Spending Account):
Offered by employers
Use-it-or-lose-it (typically must be used by end of year)
Pre-tax dollars set aside for healthcare expenses
HSA (Health Savings Account):
Available if you have a high-deductible health plan (HDHP)
Funds roll over year to year
Can be invested and grow tax-free
Also used for qualified medical expenses—including physical therapy
✅ Is Physical Therapy a Qualified Expense?
Yes! According to IRS guidelines, physical therapy is a qualified medical expense under both FSA and HSA plans—as long as it is used for medical treatment (e.g., recovering from injury, managing pain, or treating a condition).
You can use your funds for:
Post-surgical rehab
Injury recovery
Chronic pain management
Mobility and function improvement
Preventative care (with a doctor’s referral in some cases)
💳 How to Use Your FSA or HSA for PT
Pay with your FSA/HSA debit card directly at the clinic (if accepted)
Or, pay out of pocket and request a detailed Superbill or receipt to submit for reimbursement
Make sure to keep records for your own tax purposes
At Rule 76 Performance, we accept FSA and HSA cards and provide documentation for reimbursement if needed.
⏳ Don’t Let Your FSA Expire
If you have an FSA, remember: most plans expire at the end of the year (or a short grace period). Don’t wait until December to try to squeeze in appointments. Use those funds now to take care of your body and start feeling better sooner.
🙌 Invest in Your Health—Tax-Free
Your FSA or HSA funds are meant to help you stay healthy, mobile, and pain-free. Whether you're dealing with back pain, recovering from surgery, or just want to move better, physical therapy is a smart, tax-advantaged way to invest in your well-being.
Ready to use your FSA or HSA for physical therapy?
Book your first session at Rule 76 Performance today and make the most of your health savings.
📍 22 Front St., Worcester, MA 01608 (inside of Worcester Common Fitness) | 📞 774-214-0691 | 💻 Rule 76 Performance
