Biomats have gained popularity for their therapeutic benefits, promising relief from pain, improved circulation, and reduced stress through technologies like far-infrared heat, negative ions, or natural materials such as amethyst crystals. Whether you're exploring biomats for personal wellness or as part of a treatment plan, you may wonder: are biomats eligible for reimbursement under a Health Spending Account (HSA)?
The short answer? Not usually—but they can be under certain conditions.
Why Biomats Aren’t Automatically Eligible
To qualify as an eligible expense under an HSA, a product or service must meet specific criteria outlined by the Canada Revenue Agency (CRA). The general rule is that the item must be medically necessary for the treatment of a specific medical condition and prescribed by an eligible practitioner.
Since biomats are often marketed for general wellness, relaxation, or lifestyle purposes, they do not automatically qualify as a reimbursable expense. Items used for non-medical purposes, even if they promote health and relaxation, are considered ineligible.
The Exception: A Letter of Medical Necessity
Biomats may become eligible if their use is supported by a letter of medical necessity from an eligible healthcare practitioner. This letter must:
Clearly state the medical condition being treated.
Confirm that the biomat is a Medically Necessary component of the treatment plan.
Include the practitioner’s credentials and signature.
Eligible practitioners typically include physicians, nurse practitioners, or specialists recognized by the CRA. For example, if a doctor prescribes a biomat for chronic pain relief or rehabilitation following an injury, the biomat could potentially qualify for reimbursement under your HSA.
What to Include in Your HSA Claim
If you plan to submit a claim for a biomat, be sure to provide the following:
Receipt for the Biomat: The receipt should include the purchase date, cost, and product details.
Letter of Medical Necessity: This document is critical for the claim to be considered eligible.
Proof of Payment: Evidence that you’ve paid for the biomat in full.
Without these supporting documents, your claim is likely to be denied
Biomats can be a valuable tool for health and wellness, but they are not automatically considered eligible expenses under an HSA. To qualify for reimbursement, you’ll need to demonstrate medical necessity through documentation from an eligible practitioner. If you’re considering a biomat, be proactive—consult your healthcare provider and see if they'll provide the letter before you make your purchase.
By following these steps, you can make the most of your HSA while staying compliant with CRA guidelines.