Are Inversion Tables (Traction Tables) Covered Under an HSA?

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What inversion tables mean for HSA eligibility

When it comes to health savings accounts (HSAs), many people wonder whether certain health-related products or services are eligible for HSA coverage.

An inversion table, also known as a traction table, is a piece of equipment that can provide relief for back pain and spinal issues by decompressing the spine through inverted positions.

So, are inversion tables covered under an HSA?

IRS guidance and key HSA coverage criteria

Unfortunately, the IRS has specific guidelines regarding what is considered a qualified medical expense for HSA reimbursement. While some medical equipment and treatments are eligible, inversion tables may not always meet the criteria for HSA coverage.

Here are some key points to consider regarding inversion tables and HSAs:

• Check with your HSA provider: Some HSA providers may have different policies regarding eligible expenses, so it's essential to reach out to your provider for clarification.
• Prescription requirement: In some cases, a prescription from a healthcare provider may be necessary for an inversion table to be considered a qualified medical expense.
• Medical necessity: The IRS requires that expenses incurred for medical care must be primarily to alleviate or prevent a physical or mental defect or illness. If the inversion table is deemed medically necessary, it may be eligible for HSA coverage.
• Alternative treatments: If traditional medical treatments have been ineffective, using an inversion table as an alternative therapy may increase the chances of HSA coverage.

Next steps with providers for eligibility

Ultimately, it's crucial to consult with your HSA provider and healthcare provider to determine if an inversion table is a qualified medical expense under your HSA plan.

If you're considering investing in an inversion table for back pain relief and have an HSA, it's essential to understand how HSAs work when it comes to eligible expenses. An inversion table may not be covered unless it's deemed a necessary piece of medical equipment through proper channels.