Physical therapy
Physical therapy is an eligible expense for HSA, FSA, and HRA accounts when used to treat a medical condition or injury.
Eligible for HSA, FSA, HRAhigh confidence
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
The IRS defines medical expenses as costs for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body. Physical therapy falls under this definition as it is typically prescribed and performed by licensed professionals to address specific medical conditions, injuries, or functional impairments.
When It Qualifies
- •Must be for the diagnosis, cure, mitigation, treatment, or prevention of a disease or to affect any structure or function of the body.
- •Must be provided by a licensed physical therapist or other qualified medical professional.
When It Doesn't
- •Physical therapy solely for general health improvement, wellness, or cosmetic purposes is not eligible.
Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
While physical therapy is generally eligible, always check with your specific plan administrator as individual plan rules may vary. Keep detailed records and receipts for all expenses.