Speech therapy
Speech therapy is eligible for HSA, FSA, and HRA funds when it is medically necessary to treat a diagnosed condition or to affect a structure or function of the body.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
The speech therapy must be for the diagnosis, cure, mitigation, treatment, or prevention of a disease, or for the purpose of affecting any structure or function of the body, as determined by a medical professional.
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. Speech therapy falls under this definition when it addresses a specific medical condition or impairment. This ensures that the expense is for genuine medical care rather than general education or developmental purposes.
When It Qualifies
- •Must be prescribed or recommended by a licensed medical professional.
- •Must be for the treatment of a diagnosed medical condition (e.g., speech impediment, post-stroke rehabilitation, developmental delay affecting speech).
- •Must be to affect a structure or function of the body.
When It Doesn't
- •Speech therapy for general educational or developmental purposes without a specific medical diagnosis or recommendation.
- •Services primarily for improving communication skills not related to a medical condition.
Similar Items
Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
While this information is based on IRS guidelines, individual plan administrators may have specific requirements. Always confirm with your plan provider. Keep all receipts and documentation for substantiation.