Using Your HSA or FSA to Pay for Therapy

by | Oct 24, 2022

At Divine Float Spa, we offer alternative and natural holistic therapies that have been shown to aid in the management and treatment of a variety of medical conditions. While alternative and natural methods of treatment have been used for centuries, further research in recent years has resulted in their wider acceptance in the medical community. While Divine Float Spa does not take insurance, you may be able to use your Health Savings Account (HSA) or Flex Spending Account (FSA) to pay for therapies used to treat a specific medical condition. According to the FSA website, “Most alternative treatments should qualify; however, they must be primarily for the treatment of a specific medical condition and not for general health purposes.

As such your benefits administrator may require that you produce a Letter of Medical Necessity (LMN) for FSA, HSA or HRA reimbursement. This letter must outline how alternative treatments will be used to alleviate the issue and how long the treatment will last.”

The following is a list of the therapies that we offer and some of the medical conditions that they can be used to treat:

Floatation Therapy is a form of Restricted Environmental Stimulation Therapy (REST) or Sensory Deprivation Therapy. Floatation Therapy has been shown to aid in the treatment of

  • Chronic pain
  • Arthritis
  • Injury-related pain
  • Inflammation
  • Anxiety
  • Depression


 Red Light Therapy, also known as Low Level Laser Therapy (LLLT), has been used to aid in

  • Wound healing
  • Bone recovery for people with musculoskeletal disorders
  • The treatment of chronic inflammation
  • Healing Skin conditions like Rosacea and Psoriasis

 Infrared Sauna raises the core body temperature and has been used to treat:

  • Inflammation
  • Pain
  • Stiffness, particularly associated with arthritis
  • Improve cardiovascular health of individuals with cardiovascular diseases
  • Ease the symptoms of asthma


Halotherapy, or dry salt therapy, can be used to treat a variety of respiratory issues like Allergies, Asthma, Bronchitis and other respiratory conditions. It has historically been used as a treatment for Chronic Obstructive Pulmonary Disease (COPD) and has more recently been used to ease lingering symptoms from COVID-19.



Massage Therapy can be used to treat pain, muscle tension, and inflammation that result from chronic conditions or injuries.

How to Use HSA or FSA for Alternative Treatments?
When looking to cover alternative treatments with your HSA or FSA, you should always begin by contacting your insurance company. Some insurance companies do not cover alternative treatments even if they are prescribed by a doctor. Once you have established that the treatment you are seeking is covered, you should visit your doctor to get a prescription.

If required by your insurance, make sure that you obtain a Letter of Medical Necessity from your doctor to give to your insurance company along with your prescription.