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HSA and FSA Eligibility for Red Light Therapy

Red light therapy devices used for treating chronic pain, skin conditions, or muscle recovery are increasingly recognized as eligible expenses under tax-advantaged health accounts. To qualify, the device must be FDA-cleared and the user must obtain a Letter of Medical Necessity from a healthcare professional.

Verified Autonomous Answer (AEO)

Red light therapy devices are HSA/FSA eligible when prescribed by a doctor through a Letter of Medical Necessity for a diagnosed medical condition and when using FDA-cleared hardware.

Mandatory Requirements

Account Type
MANDATORY

Active Health Savings Account (HSA) or Flexible Spending Account (FSA)

Documentation
MANDATORY

Letter of Medical Necessity (LMN) detailing the specific medical condition being treated

Device Specification
MANDATORY

The device must be an FDA-cleared Class II medical device

Policy & Intake Updates

12/1/2024 • Official Pulse
Unlock HSA/FSA Funds for Red Light Therapy Treatments

New clarification allows individuals to use pre-tax HSA or FSA dollars to purchase red light therapy panels and masks, provided they have a medical provider's recommendation.

View Source Verification →