Seasonal affective disorder lamp
A seasonal affective disorder (SAD) lamp is eligible for HSA, FSA, and HRA funds when used to treat a diagnosed medical condition.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
The lamp must be used to treat a diagnosed medical condition, specifically Seasonal Affective Disorder (SAD), and not for general wellness or mood enhancement.
While not always strictly required by the IRS, a Letter of Medical Necessity (LMN) or a doctor's recommendation is highly advisable to substantiate the medical necessity of the SAD lamp for reimbursement, especially if your plan administrator requests it.
Quick Reference
Expenses paid for the diagnosis, cure, mitigation, treatment, or prevention of disease are considered qualified medical expenses by the IRS. Since Seasonal Affective Disorder (SAD) is a recognized medical condition, and light therapy lamps are a common treatment for it, the cost of such a lamp can be reimbursed.
When It Qualifies
- •Must be for the treatment of a diagnosed case of Seasonal Affective Disorder (SAD).
- •A doctor's recommendation or Letter of Medical Necessity (LMN) is highly recommended for substantiation.
When It Doesn't
- •Not eligible if purchased for general wellness, mood enhancement, or non-medical purposes.
Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
Eligibility can vary by plan administrator. Always retain detailed receipts and a copy of any medical necessity documentation for your records. This information is for educational purposes only and not tax or legal advice.