RebloomaUse your FSA/HSA for your massage. Leave the paperwork to us.
Your FSA or HSA can pay for massage that treats a real condition. The money is already yours, set aside before tax — and with an FSA, gone if you don't use it.¹ What's missing is the paperwork: a letter, a signed session note, a coded invoice. That's what we put together.
Effective Cost
Assumes ~30% effective tax rate
Click to calculate your savings arrow_forward
Three steps, then the money comes back.
Two documents answer the claim. The third proves the session matched the letter.
1. The Letter
A $19 online consultation with Dr. B. Describe what's going on, and one of their clinicians reviews it — usually back within 24 hours. One letter covers twelve months of sessions.2
2. The Treatment
Book your massage as you normally would. Your practitioner signs a clinical note afterward — a few minutes, and nothing changes about your visit.
3. Your File
Your letter, a coded itemized invoice, and the signed note land in your account together, ready to send to your administrator.3
Most services stop at the letter.
You describe a condition, a clinician writes a recommendation, and nobody ever checks whether the care you bought had anything to do with it. In March 2024, the IRS named that defect precisely: a doctor's note doesn't establish that an otherwise personal expense is "related to a targeted diagnosis-specific activity or treatment." (IR-2024-65)
The risk lands on you, not on them. A disqualified HSA withdrawal is taxed as income, plus a 20% penalty under 65, and an FSA card can be switched off until the charge is substantiated.4
So Reblooma doesn't stop at the letter. Yours names a condition and the body areas it covers; your practitioner records what they actually worked on and signs it, every session. If the two don't line up, it shows — and that's the point. A document set that only ever agrees with itself proves nothing.
That's also what lets you go where you want to go. A day spa, a wellness practice, someone who comes to your home — the setting was never the test. What the documentation shows is.
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/ HSA for massage therapy.
You'd keep about
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.
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.
- checkA $19 consultation that covers twelve months
- checkYour own practitioner, or one on Reblooma
- checkYour file, assembled every session
If you're a practitioner
You already do the therapeutic work. Reblooma turns it into documentation your patients can submit. Your treatment and your prices don't change.
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.
- check You never write the letter
- check Signed SOAP notes, drafted from the session
- check Reblooma charges practitioners nothing
The IRS tests the treatment and the
paper trail — not the room it happened in.
Before you start
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.6 Most people never find out, because the paperwork isn't something a massage practice can produce 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 alongside the rest. If that question ever comes, the answer is already there.
Isn’t a letter and a receipt enough?+
Often it is what gets asked 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 is closer to a medical superbill than a spa receipt. It carries your practitioner’s name and licence number, the date of service, the treatment with its procedure code, the diagnosis code carried over from your letter, and what you paid. Alongside the signed session note, it shows that the visit treated the condition your letter names — so you can submit with confidence, knowing the evidence is already in hand rather than hoping a receipt will do.
Where does the letter come from?+
A $19 online consultation with Dr. B, an established telehealth practice that has been writing these letters for years. Describe what's going on, one of their clinicians reviews it, and your letter usually arrives within 24 hours — covering you for twelve months.7
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.8 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 therapists are all welcome — the setting was never the test. What counts is that your therapist is licensed and the session treats what your letter covers. A massage booked purely to relax, and extras like tips, add-ons, 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 further — more detail from your practitioner, a document reissued, 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 therapists?+
Not at all — and we'd rather you didn't. Name your current practice when you request your letter and send them an invite. Setting up takes a few minutes and costs them nothing, and someone who already knows your history writes a better note. If you don't have a practice yet, we'll show you ones near you.
When can I start?+
Your letter covers every session from the day it's issued, for twelve months. Worth sorting before your next appointment rather than after a run of them.