HSA, FSA and Insurance for Therapeutic Massage

Massage Therapy, particularly for therapeutic massage related to recovery from an injury, rehabilitation, treatment and preventative measures is accepted as an eligible medical care expense by many health insurance plans and is often paid for using Health Reimbursement Account (HRA), Health Savings Account (HSA) or Health Care Flexible Spending Account (FSA). You should check your medical plan’s summary of benefits for more details on what expenses are covered.

RuppMassage office in Indianapolis accepts payment through FSA and HAS credit or debit cards, but we also recommend a prescription from your primary healthcare doctor to ensure your coverage is accepted for therapeutic massage. The prescription should include the following information:

  1. Medical necessity: why you need massage therapy (example: to relieve back pain)
  2. Frequency: number of sessions per month (example: minimum of two sessions per month)
  3. Duration: length of treatment (example: 3,6,9,12 months)

We have prepared a “Referral from Physician” for you to provide to your primary care physician. If your doctor wishes to speak with us about your care, we would be happy to do so, and together recommend the best course of treatment. The next time you are in the RuppMassage office in Indianapolis, ask us for a copy of the Prescription / Letter of Referral and a Medical Release Form that allows us to discuss your treatment and health with your physician.


IRS Definition of “Medical Care”

According to the IRS website, the IRS Code, Section 213(d) defines “medical care” expenses as “the costs of diagnosis, cure, mitigation, treatment, or prevention of disease, and the costs for treatments affecting any part or function of the body. Medical care expenses must be primarily to alleviate or prevent a physical or mental defect or illness. They don’t include expenses that are merely beneficial to general health, such as vitamins or a vacation.”

RuppMassage is committed to providing the best care to support your health needs. We are one of the only therapeutic massage providers in the Indianapolis area specializing in sports massage, recovery massage, rehabilitation massage, and therapeutic massage techniques designed to reduce your chances of injury, speed your recovery time, enhance muscle performance, as well as to deliver the many physiological and psychological benefits to your body. We are committed to providing affordable massage therapy so that anyone can experience the benefits therapeutic massage.