Mental health treatment
Mental health treatment is eligible for HSA, FSA, and HRA funds when it is for the diagnosis, cure, mitigation, treatment, or prevention of a specific medical condition.
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 mental health condition, not for general wellness or personal enrichment.
Quick Reference
The IRS defines medical care 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 treatment, when addressing a specific medical condition, falls under this definition. This includes services provided by psychiatrists, psychologists, and other licensed mental health professionals.
When It Qualifies
- •Treatment must be for a diagnosed mental illness or condition.
- •Services must be provided by a licensed medical professional.
When It Doesn't
- •Treatments solely for general wellness, personal enrichment, or self-improvement (e.g., life coaching, stress management not related to a diagnosed condition).
- •Non-medical services or programs that do not address a specific medical 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
While generally eligible, always check with your specific plan administrator as individual plan rules may vary. Keep detailed records and receipts for all expenses.