When patients come in for consultations, one of the most common questions we hear is, “Can I use my HSA or FSA to pay for this?” It’s a smart question, especially as med spa treatments have become more popular. In fact, the medical spa industry in the U.S. has grown into a $15 billion market, with more people choosing services like wrinkle relaxers, dermal fillers, weight-loss injections, and skin rejuvenation.
So to answer the question: some treatments may qualify as an eligible expense, while others won’t.
Let’s walk through what that means, so you know exactly what to expect before booking your appointment.
Many patients ask about the difference between a Health Savings Account (HSA) and a Flexible Spending Account (FSA). Both are tax-advantaged accounts that let you set aside pre-tax dollars for qualified medical expenses, but they work a little differently when it comes to rules, rollover, and reimbursement. Knowing how each account works can help you plan smarter and make the most of your healthcare dollars.
An HSA is available only if you’re enrolled in a high-deductible health plan (HDHP). The money in your HSA card rolls over year to year, so you don’t lose unused funds. You can even invest what you don’t spend, making it feel more like a long-term savings account for healthcare costs. It’s a flexible option for individuals who want to cover current healthcare expenses while also saving for the future.
An FSA, on the other hand, is usually an employer-sponsored benefit. These funds are often “use it or lose it,” meaning they may expire at the end of the year if not spent. FSAs can be applied to a wide range of FSA-eligible expenses such as prescriptions, over-the-counter allergy medications, vision care, or even feminine hygiene products. The best way to confirm what’s included is to check the list from your FSA administrator or consult the FSA store for approved items.
Both HSAs and FSAs are tax-advantaged accounts that help you set aside pre-tax dollars for qualified medical expenses. But according to IRS guidelines, the procedure or service must be primarily to treat or prevent a medical condition.
That means:
At InjectCo, we offer a wide range of spa and wellness treatments, from wrinkle relaxers and dermal fillers to body contouring. When it comes to using your HSA card or FSA funds, the key difference is whether the treatment is cosmetic or medically necessary.
Treatments that may qualify (with medical documentation):
Treatments that are not eligible (cosmetic purposes only):
The bottom line: if the service is done strictly for cosmetic enhancement, it will not qualify as an FSA-eligible expense or an eligible service under HSA guidelines.
If you’d like to use your HSA or FSA account for med spa treatments, here are a few steps to follow:
Even if your treatment doesn’t qualify as an eligible expense, you still have options to save. At InjectCo, we make it simple to plan for your care with:
We know that planning for med spa treatments isn’t just about results. It’s also about clear pricing, flexible payment options, and peace of mind. Because we’re a nurse-owned practice, every procedure is guided by safety, medical expertise, and care. From wrinkle relaxers and dermal fillers to wellness and body treatments, our goal is to make your experience seamless.
Book your free virtual consultation today and explore how to use your HSA or FSA wisely, or choose one of our flexible options to make wellness more accessible.
Most cosmetic med spa procedures like facials, chemical peels, or hydrafacials are not considered an eligible expense under FSA rules. The IRS requires treatments to be medically necessary, so only services prescribed to treat a health condition may qualify for reimbursement.
Yes, but only if Botox is prescribed for medical reasons such as chronic migraines or hyperhidrosis (excessive sweating). Cosmetic Botox, used to smooth fine lines or wrinkles, is not FSA or HSA eligible.
Massage therapy can sometimes be an FSA-eligible expense, but only if you have a doctor’s note or Letter of Medical Necessity (LMN) stating it’s needed to treat a medical condition (for example, back pain or injury recovery). Otherwise, massage is viewed as a wellness or spa service and is not covered.
No. Hydrafacials, microneedling, and similar skin care procedures are considered cosmetic. Since they are not corrective or medically required, they don’t qualify under HSA or FSA rules.
In most cases, yes. Expenses that qualify under an FSA are generally also considered eligible for HSA use, since both accounts are meant to help you pay for qualified medical expenses with pre-tax dollars. Still, it’s always best to confirm with your HSA or FSA provider or check approved items in the FSA store before making a purchase.
