How to Use Your HSA/FSA for Reiki Sessions
Paying for your sessions with pre-tax healthcare dollars is simple. Because the IRS classifies Reiki as an alternative treatment, account administrators require proof that the therapy is being used to treat a specific medical condition rather than for general well-being.
Follow these four simple steps to activate your benefits:
Step 1: Secure Your Letter of Medical Necessity (LMN)
Before booking your appointments, you must obtain a signed Letter of Medical Necessity from a licensed medical professional (such as your primary care doctor, nurse practitioner, or mental health therapist).
Action: Copy and paste the template below into a document, or print this page, and bring it to your next appointment.
Note: The doctor must connect the Reiki treatments to a specific diagnosis, such as anxiety, chronic pain, or insomnia.
Step 2: Keep Your LMN on File
Once your doctor signs the letter, keep the original copy in your personal tax or financial records. You do not need to send it to me—you only need it on hand to submit to your HSA/FSA provider if they request documentation or if you are ever audited.
Step 3: Pay for Your Sessions
You can pay for your treatments using your HSA/FSA debit card at checkout. If your card is declined (which occasionally happens with holistic practices due to how merchant accounts are categorized), simply use a personal debit or credit card instead.
Step 4: Submit for Reimbursement (If Needed)
If you paid out-of-pocket with a personal card, or if your provider requests proof of your purchase, you will need to submit a claim. After your session, I will provide an itemized receipt containing all the necessary service descriptions. Submit this receipt along with your doctor’s signed LMN to your HSA/FSA administrator to get reimbursed directly.
⚠️ Important Reminder: Most HSA/FSA administrators require a Letter of Medical Necessity to be renewed once every 12 months. If you are receiving ongoing care, remember to have your provider sign an updated copy each year.
Letter of Medical Necessity (LMN) Template
Copy and paste the text below into a document, or print this page to bring to your next doctor's appointment.
Date: _______________
Patient Name: _______________________ Date of Birth: _____________
To Whom It May Concern,
I am currently treating the patient named above for _______________________ (e.g., Chronic Stress, Musculoskeletal Pain, Anxiety, Insomnia).
As part of their treatment plan, I am prescribing Reiki therapy to assist with stress reduction, pain management, and nervous system regulation. I recommend a frequency of ______ sessions per month for a duration of ______ months. This therapy is medically necessary for the management of the patient's condition.
Provider Name: ____________________________
Provider Signature: _________________________ NPI #: _______________