FSA Massage Chair – A Complete Guide to FSA-Eligible Massage Chairs

fsa massage chair​

When it comes to self-care and physical wellness, investing in a massage chair can be a great way to relieve stress, reduce pain, and improve circulation. But did you know you might be able to buy a massage chair with your FSA (Flexible Spending Account)? Understanding how to purchase an FSA massage chair can save you hundreds of dollars while helping you enjoy medical-grade comfort at home.

What Is an FSA Massage Chair?

An FSA massage chair refers to a massage chair that qualifies as a medical expense under your Flexible Spending Account. The FSA is a pre-tax account used to pay for eligible healthcare-related expenses. If your massage chair is considered medically necessary, it may be classified as an FSA eligible massage chair, meaning you can use your FSA funds to purchase it.

Are Massage Chairs FSA Eligible?

Generally, massage chairs are not automatically FSA eligible unless they are prescribed by a doctor. The Internal Revenue Service (IRS) determines which items qualify as FSA eligible items, and massage chairs usually require a Letter of Medical Necessity (LMN) to be considered a massage chair FSA eligible purchase.

This letter must state that the chair is needed to treat a specific medical condition, such as:

• Chronic back pain

• Sciatica

• Muscle spasms

• Circulatory issues

• Stress or anxiety disorders

Once you have an LMN, you can submit it along with your FSA claim for FSA massage chair reimbursement.

How to Buy a Massage Chair With FSA

If you want to buy a massage chair with FSA, here’s a simple step-by-step guide:

1. Consult Your Doctor: Request a diagnosis and a Letter of Medical Necessity.

2. Choose an FSA Approved Massage Chair: Look for brands or models marketed as FSA eligible massage chairs or medical-grade options.

3. Make the Purchase: Pay for the chair using your FSA debit card, if allowed, or use another payment method and request reimbursement.

4. Submit Documentation: Provide your LMN and purchase receipt to your FSA administrator.

If approved, you’ll be reimbursed for the full or partial cost of the chair.

fsa massage chair​

FSA Massage Chair Benefits

Purchasing an FSA massage therapy chair comes with multiple advantages, such as:

• Tax Savings: Since FSA contributions are pre-tax, you save on overall costs.

• Medical Relief: Helps manage chronic pain and improves overall wellness.

• Long-Term Value: Offers ongoing health benefits without repeated clinic visits.

These FSA massage chair benefits make it a cost-effective option for those who rely on massage therapy for medical purposes.

Where to Find FSA Eligible Massage Chairs

Several medical supply and wellness retailers now list FSA approved massage chairs or offer verification for FSA eligible items massage chair purchases. Always check with your FSA provider or the retailer before buying. Some popular options include:

• Human Touch® massage chairs

• Osaki® massage chairs

• Kahuna® massage chairs

• Infinity® massage chairs

These brands often offer ergonomic and therapeutic models suitable for medical use.

Important Considerations Before Buying

Before you finalize your purchase, consider the following:

• Confirm with your FSA administrator that your item qualifies.

• Keep copies of all documents, including your Letter of Medical Necessity and receipts.

• Make sure your purchase aligns with IRS guidelines for medical necessity.

Doing so ensures that your massage chair FSA eligible purchase won’t be rejected during reimbursement.

A FSA massage chair can be an excellent way to invest in your health while maximizing the benefits of your Flexible Spending Account. With proper documentation, you can enjoy the comfort and therapeutic effects of a massage chair FSA eligible product without paying out-of-pocket with after-tax dollars. Always verify eligibility, secure a Letter of Medical Necessity, and enjoy long-term wellness through smart spending.