FSA & HSA

Using FSA or HSA dollars, honestly.

Massage therapy is sometimes reimbursable through a Flexible Spending Account or Health Savings Account. Not automatically, and not for general wellness, but when it's recommended by your health-care provider for a specific condition and your plan allows it. Here's how that actually works, without the wishful framing.

The Letter of Medical Necessity

Plans that reimburse massage almost always require a Letter of Medical Necessity (LMN) from your physician or other treating provider, obtained before the sessions you claim. An LMN typically states the condition being addressed, the recommendation of massage therapy, and the expected frequency and duration of care. Your provider writes it; your plan administrator decides what qualifies; Kinetic can't do either for you.

What Kinetic provides

Every session comes with an itemized receipt carrying the fields administrators ask for: your name, the provider's name and New Jersey license, the session date, the service performed, and the amount paid. If your plan asks for something specific on the receipt, mention it; accommodating that is easy.

The honest three steps

1 · Ask your providerIf you're working through something specific, ask whether massage therapy belongs in the plan, and whether they'll write an LMN before you begin.
2 · Book and pay as usualKinetic is self-pay and doesn't bill insurance or process FSA/HSA cards' substantiation paperwork. Pay normally; keep your itemized receipts.
3 · Submit to your administratorSend the receipt and LMN to your plan administrator. Reimbursement rules, and the final call, are theirs.

Kinetic doesn't diagnose conditions, doesn't guarantee reimbursement, and can't advise on your plan's rules. Check with your plan administrator before counting on FSA/HSA funds. This page is general information, not medical or tax advice.

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