Mental Health Services
Mental health services are eligible for HSA, FSA, and HRA if they are for the diagnosis, cure, mitigation, treatment, or prevention of a mental illness or condition.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
The services must be for the diagnosis, cure, mitigation, treatment, or prevention of a mental illness or condition, not for general well-being or personal growth.
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. Mental health services, when provided by a licensed professional to treat a diagnosed mental health condition, fall under this definition. This includes services like psychotherapy, counseling, and psychiatric care.
When It Qualifies
- •Services must be for the diagnosis, cure, mitigation, treatment, or prevention of a mental illness or condition.
- •Services should be provided by a licensed or certified mental health professional.
When It Doesn't
- •Services primarily for general well-being, stress reduction, or personal growth without a diagnosed medical condition.
- •Marriage counseling, unless it is part of the treatment for a specific medical condition of one spouse.
- •Educational or vocational counseling.
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Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
While generally eligible, specific plan administrators may have their own substantiation requirements. Always retain detailed receipts and documentation, including a diagnosis or treatment plan from your provider. This information is for educational purposes only and not tax or legal advice.