Will a Chiropractor Visit Be Covered by HDHP and HSA?

If you have a High Deductible Health Plan (HDHP) paired with a Health Savings Account (HSA), you may be wondering if a chiropractor visit is covered. The good news is that chiropractic care is typically eligible for coverage under an HSA, as long as it is considered a qualified medical expense by the IRS. Here's what you need to know about using your HSA to cover chiropractor visits:

Chiropractic care can be a beneficial form of treatment for various musculoskeletal conditions, and many people find relief from back pain, neck pain, and other issues through chiropractic adjustments.

When it comes to using your HSA funds for chiropractic care, here are some key points to keep in mind:

• Chiropractic care must be deemed medically necessary by a healthcare provider to be eligible for HSA coverage.
• Chiropractic services that are solely for general health or wellness purposes may not be covered.
• Check with your insurance provider to ensure that the chiropractor is in-network to maximize your coverage.

Remember that the IRS sets guidelines for what qualifies as a medical expense, so it's essential to keep proper documentation of your chiropractor visits, including receipts and a written recommendation from a healthcare provider.

By utilizing your HSA funds for chiropractic care, you can take advantage of a non-invasive treatment option for common ailments while managing your healthcare costs effectively.

Chiropractor visits can be a smart way to improve your overall health and well-being. If you have a High Deductible Health Plan (HDHP) that works alongside a Health Savings Account (HSA), it’s crucial to know that chiropractic care is generally covered under your HSA, provided it meets the IRS criteria as a qualified medical expense.