Anxiety treatment
Expenses for the diagnosis, cure, mitigation, treatment, or prevention of a diagnosed anxiety condition are generally eligible for HSA, FSA, and HRA.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
The treatment must be for a diagnosed anxiety condition, not for general well-being or stress reduction.
An LMN may be required for certain alternative or non-traditional treatments if not directly prescribed by a physician for a diagnosed condition.
Always confirm eligibility with your specific HSA, FSA, or HRA plan administrator, as coverage can vary.
Quick Reference
The IRS considers medical expenses to include amounts paid for the diagnosis, cure, mitigation, treatment, or prevention of disease. When anxiety is a diagnosed medical condition, treatments such as therapy, counseling, and prescription medications are considered eligible medical expenses. This also extends to over-the-counter medicines for anxiety, which are eligible without a prescription.
When It Qualifies
- •The treatment must be for a diagnosed anxiety condition.
- •Services must be provided by a licensed medical or mental health professional (e.g., psychiatrist, psychologist, licensed therapist).
- •Prescription medications for anxiety are eligible.
- •Over-the-counter (OTC) medicines specifically for anxiety are eligible without a prescription.
When It Doesn't
- •Expenses for general well-being, stress reduction, or self-help that are not directly treating a diagnosed medical condition.
- •Supplements or alternative therapies not prescribed by a doctor or supported by a Letter of Medical Necessity (LMN) for a diagnosed condition.
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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
This information is for educational purposes only and is not tax or legal advice. Always consult with a qualified professional for personalized guidance.