Use your FSA/HSA for your massage. Leave the paperwork to us.
It can pay for massage that treats a real condition. We build the claim-ready file that shows it.
Why most people never use it
The money is already yours, set aside before tax. With an FSA, it is gone if you don't use it.1
What's missing is the proof: a letter, a signed session note and a coded invoice. That's what we put together.
Three steps to a claim-ready file.
Two documents answer the claim. The third proves the session matched the letter.
1. The Letter
A $19 online visit with Dr. B. One letter covers up to twelve months.
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Describe what's going on, and one of their clinicians reviews it. One letter covers up to twelve months of sessions.2
2. The Treatment
After your massage, scan the practice's QR code and pay. Your practitioner signs a note.
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The clinical note takes your practitioner a few minutes. Your massage itself stays the same.
3. Your File
Your letter, a coded invoice and the signed note, together in your account.
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They land in your account together, ready to send to your plan administrator.3
Why this holds up
Most services stop at the letter.
Reblooma doesn't. Your practitioner records what they worked on and signs it, every session.
Paid doctor's notes based only on what you report do not make an expense medical. Under IRC §213(d), care must diagnose, treat, ease or prevent a disease.4
Read why this matters
If a claim fails, the risk lands on you. A disqualified HSA withdrawal is taxed as income, plus a 20% penalty under 65. An FSA card can be switched off.5
So Reblooma checks every session against your letter. If they don't line up, it shows.
That's why the setting doesn't matter. A day spa or a home visit both work. The documents are the test.
A letter says the massage should help. The note and invoice are the evidence, session by session.
See how much you could keep.
Adjust the sliders to estimate your potential tax savings when using your FSA or HSA for massage therapy.
You'd keep about
$432a year
12 sessions of documented care
Both figures are a year, in take-home dollars.
An estimate, not tax or financial advice. Forfeiture rules depend on your employer's plan, and your plan administrator decides each claim. We help you give them what they ask for.
If you're a patient
You have an FSA or HSA, and you get massage for a real problem. We build the file. You send it in.
- A $19 consultation that covers up to twelve months
- Your own practitioner, or a partner practice near you
- Your file, built every session
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Chronic pain, injury, recovery. No old records to dig up, no prior doctor's visit needed. Just describe what hurts, and a clinician at Dr. B takes it from there.
If you're a practitioner
You already do the work. A few taps, and the optional AI seat drafts your notes. No discounts, and clients come back.
- You never write the letter
- Signed SOAP notes, AI-drafted with the optional AI seat
- Reblooma charges practitioners nothing7
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Practitioners at day spas and resorts, massage and wellness practices, and mobile or in-home services are all welcome. The setting isn't the test.
The IRS tests the treatment and the paper trail. Not the room it happened in.
Understanding IRC §213(d)Before you start
Questions people ask.
Can I really use my FSA or HSA for massage?
More often than people think. Under IRC §213(d), massage prescribed to treat a diagnosed condition is a qualified medical expense, the same as physical therapy.8 Most people never find out, because a massage practice can't produce the documents on its own. That's the part we handle.
What do I actually need?
Usually two things: a Letter of Medical Necessity and a coded itemized invoice. That's what most administrators ask for.
Some go further and ask you to show the sessions actually treated the condition in your letter. So your practitioner signs a clinical note after every visit, and Reblooma files it with the rest. If that question ever comes, the answer is already there.
Aren't a letter and a receipt enough?
Often that is all a plan asks for. But a receipt only proves you paid. A spa receipt shows a date, a total and the word "massage," which connects the money to nothing in particular.
Your Reblooma invoice reads like a medical bill, not a spa receipt. It carries your practitioner's name and license number, the date of service, the treatment with its procedure code, the diagnosis code from your letter, and what you paid. With the signed session note, it shows the visit treated the condition your letter names. You submit knowing the evidence is already in hand.
Where does the letter come from?
A $19 online consultation with Dr. B, an independent telehealth practice. Describe what's going on and one of their clinicians reviews it. Your letter covers you for up to twelve months.9
What kinds of problems does this cover?
Back pain, chronic pain, fibromyalgia, disc conditions, muscle spasms, and sleep or stress-related conditions are among the most common. The list is longer, and a clinician decides.10 No old records to dig up and no prior doctor's visit needed. Just describe what's going on.
Can I go to a day spa, a resort, or someone who comes to my home?
Yes. Day spas, resorts, wellness practices and mobile or in-home practitioners are all welcome. The setting was never the test. What counts is that your practitioner is licensed and the session treats what your letter covers.
A massage booked purely to relax, and extras like tips, retail or facility fees, generally don't qualify. So your invoice lists the treatment on its own.
What if my administrator questions the claim?
Send us what they asked for and we'll help you answer it. Your file already holds the letter, every signed session note and every coded invoice. So most questions are answered by sending the part they want, in the form they want it.
If they need something more, like more detail from your practitioner, a document reissued or a fuller history of your sessions, we put it together with you. The decision stays with your plan, but you won't be working out what to send on your own.
Do I have to switch practitioners?
Not at all, and we'd rather you didn't. Name your current practice when you request your letter. Joining costs them nothing, and someone who already knows your history writes a better note. No practice yet? Find a partner practice near you.
When can I start?
Your letter covers every session from the day it's issued, for up to twelve months. It's worth sorting out before your next appointment, not after a run of them.
More questions? Email hello@reblooma.com