Mental health services are an important aspect of overall well-being, and many of these services are eligible for reimbursement under a Health Spending Account (HSA). Here’s a comprehensive guide to understanding what mental health services you can claim for yourself or your dependents* through your HSA.
*Always check your plan details for coverage and dependent eligibility to ensure coverage as this article is for general purposes only
Eligible Mental Health Services
Psychotherapy and Counselling
Services provided by licensed psychologists, psychiatrists, social workers, and counsellors are eligible.
Includes individual therapy, couples therapy, family therapy, and group therapy sessions.
Psychiatric Services
Visits to a psychiatrist for diagnosis and treatment of mental health conditions are covered.
Prescription medications prescribed by a psychiatrist for mental health conditions can also be claimed, as long as they are obtained and submitted with an Official Prescription Receipt.
Clinical Psychologist Services
Assessments, diagnoses, and treatment plans provided by a registered clinical psychologist.
Includes cognitive-behavioural therapy (CBT), dialectical behaviour therapy (DBT), and other evidence-based therapies.
Social Worker Services
Counselling and support services provided by licensed social workers, especially those specializing in mental health.
Includes assistance with issues like depression, anxiety, stress management, and trauma.
Marriage and Family Therapy
Therapy sessions focused on relationship issues, family dynamics, and marital problems.
Services must be provided by licensed practitioners (they cannot be purely spiritual leaders or life coaches)
Substance Abuse Treatment
Counselling and therapy for substance use disorders, including alcohol and drug addiction.
Inpatient and outpatient treatment programs, as well as support groups led by licensed professionals, are eligible.
Rehabilitation Services
Services provided by mental health professionals in a rehabilitation center or clinic.
Includes both short-term and long-term rehabilitation for mental health conditions.
Behavioural Therapy
Therapy sessions aimed at modifying harmful behaviours and developing healthy coping mechanisms.
Tele-therapy and Online Counselling
Remote therapy sessions conducted via video calls, phone calls, or online platforms are eligible, as long as the practitioner credentials are included in the receipt.
Must be provided by licensed mental health professionals.
*This list doesn't even cover all of the therapies that could be eligible! As long as your therapy is provided by a eligible practitioner, and it's a practitioner-patient relationship (Not a conference or presentation with a general audience) it is eligible!
Documentation Requirements
To claim these services under your HSA, you will typically need the following documentation:
Receipt or Invoice: A detailed receipt or invoice from the service provider showing the date of service, the type of service provided, the provider’s credentials, the patient name, and the amount charged.
Proof of Payment: Evidence that the payment was made, such as a credit card statement or bank transaction record.
Questions? Reach out to support@getmyhsa.com or open a live chat with us!