Are Your Medpsa Treatments Covered by FSA/HSA?

As the calendar year draws to a close, a crucial deadline looms for many: the expiration of funds in your Flexible Spending Account (FSA) and the desire to maximize your Health Savings Account (HSA) before the new benefit year begins. You’ve earned these pre-tax dollars, and the key is knowing how to use them effectively for your health and well-being. 

At Front Door MedSpa®, we are dedicated to helping our clients optimize their healthcare spending by navigating the distinction between cosmetic and medically necessary procedures. We proudly serve our local community and clients from Troy, Butler Ridge, and Chesterfield. Call us today at 248-237-8772 to schedule a consultation and learn more about our financing options.

The Crucial Distinction: Medical Necessity vs. Cosmetic Enhancement

The foundational rule set by the IRS for using is simple: the procedure must be primarily for the diagnosis, cure, mitigation, treatment, or prevention of disease. If the primary purpose is purely to improve appearance, it is generally not covered.

This is why treatments at a medically overseen facility like Front Door MedSpa—where a licensed medical provider and a cardiologist are involved in patient care—can sometimes qualify with the proper documentation.

Treatments That May Qualify With a Letter of Medical Necessity 

While purely hsa eligible cosmetic procedures are typically restricted, certain treatments become eligible when they are prescribed by a physician to treat a diagnosed medical condition. These often require a Letter of Medical Necessity (LMN) from your primary care doctor, outlining the diagnosis and why the treatment is essential.

1. Chronic Pain and Tension Relief

• Botox for Chronic Pain: Cosmetic injections to smooth wrinkles are generally not eligible. However, if you suffer from chronic pain treatments fsa hsa such as chronic migraines, TMJ (jaw tension), or muscle spasticity, use fsa for botox injections may qualify. The treatment must be prescribed specifically to alleviate the medical condition. 
• Acupuncture or Therapeutic Treatments: While we do not offer traditional massage therapy or accupuncture treatments, services aimed at pain mitigation may be eligible if a physician prescribes it to treat a specific ailment.

2. Managing Skin Conditions and Disease

• Acne Treatments: Acne is a diagnosed skin condition, making targeted treatments eligible. Services used for acne treatment can include chemical peels, specialized facials, or laser treatments, provided they are explicitly directed at managing the acne. Over-the-counter acne medicines are often eligible as well.
• Rosacea and Psoriasis: Treatments directed at diagnosing or alleviating the symptoms of skin diseases like rosacea or psoriasis are strong candidates for eligibility. Any service used to improve skin health by addressing a medical diagnosis may qualify with an LMN.

3. Physician-Directed Weight Loss Programs

• Weight Loss: Cosmetic fat reduction (like CoolSculpting® Elite) is not eligible. However, weight loss programs are eligible if they are a prescribed treatment for a disease diagnosed by a physician, such as obesity, hypertension, or heart disease. 

4. Varicose or Spider Vein Treatments

• Varicose Vein Treatment / Spider Vein Treatment: If these procedures are done to alleviate pain, aching, or functional symptoms (like swelling or inflammation) rather than just improving appearance, they may qualify. Our Medical Director, an Interventional Cardiologist, provides essential oversight for these vascular treatments.

Medspa Services Generally Not Covered

It is critical to remember that if a treatment’s primary purpose is cosmetic, it will not be covered by your FSA or HSA. This includes, but is not limited to:

• Wrinkle Reduction: Purely aesthetic botox to smooth forehead wrinkles or crow’s feet is not covered.
• Aesthetic Enhancement: Dermal fillers for lip plumping, cheek contouring, or achieving a fsa eligible skin tightening look purely for aesthetic reasons. Although usually cosmetic, dermal fillers may be eligible if used for reconstructive purposes following trauma, illness, or to correct a disfiguring deformity
• Laser Hair Removal: Generally considered cosmetic, laser hair removal is not eligible for reimbursement because it does not treat or prevent disease.

Maximizing Your Year-End Spending

If you have a use-it-or-lose-it FSA, time is of the essence for end of year FSA spending. Don’t let your hard-earned dollars disappear!

1. Check Your Balance: First, verify your exact deadline and remaining balance for end of year fsa spending.
2. Get a Letter of Medical Necessity (LMN): If you suspect a treatment (like Botox for TMJ or a peel for severe acne) might qualify, contact your medical provider immediately to obtain a signed LMN.
3. Schedule Services: Book your qualifying fsa hsa eligible treatments front door medspa well before the deadline. 
4. Keep Records: Always keep detailed receipts and a copy of your LMN for tax purposes and to submit your claim.

At Front Door MedSpa®, we are committed to providing you with the necessary documentation, ensuring our procedures meet clinical standards. Call (248) 413-5835 to learn more.

Secure Your Wellness: Finalizing Your FSA/HSA Strategy

By understanding the distinction between cosmetic desires and true clinical need, and by partnering with a facility that operates under rigorous medical oversight, you can confidently navigate the rules governing FSA and HSA spending. Front Door MedSpa® is committed to providing the documentation and specialized care necessary to help you maximize these funds before your year-end deadline.

Ready to take proactive control of your health spending? Call our medspa in Rochester at 248-237-8772 to schedule your consultation and discuss your eligible services. We proudly serve Oakland Township, Auburn Hills, Troy, Shelby Township, and Bloomfield Hills.