Light therapy
Light therapy is eligible for HSA, FSA, and HRA accounts when used to treat a specific diagnosed medical condition and substantiated by a medical professional.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
Light therapy must be prescribed or recommended by a medical professional to treat a specific diagnosed medical condition, such as Seasonal Affective Disorder (SAD) or certain dermatological conditions.
Always verify with your specific plan administrator, as coverage for certain therapies can vary.
Quick Reference
The IRS defines medical expenses as amounts paid for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body. When light therapy is used to treat a specific medical condition, it falls under this definition. This includes treatments for conditions like Seasonal Affective Disorder (SAD) or certain skin conditions.
When It Qualifies
- •Must be prescribed or recommended by a medical professional (e.g., doctor, dermatologist, psychiatrist).
- •Must be used to treat a specific diagnosed medical condition (e.g., Seasonal Affective Disorder, psoriasis, eczema, sleep disorders).
When It Doesn't
- •Not eligible if used for general wellness, cosmetic purposes, or anti-aging without a specific medical diagnosis.
- •Not eligible if solely for relaxation, aesthetic improvement, or non-medical purposes.
Similar Items
Official Source
IRS Publication 502
What Are Medical Expenses?
View on IRS.gov
Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
This information is for educational purposes only and is not tax or legal advice. Consult with a qualified professional for personalized guidance.