Using Your HSA or FSA at SmartLife Medicine
At SmartLife Medicine, many of our treatments are self-pay, which raises a fair question. What are the payment options that make financial sense for you? If you have a Health Savings Account (HSA) or a Flexible Spending Account (FSA), you may be able to use pre-tax dollars for some of your care. That means you reduce your out-of-pocket cost for medically necessary services.
Why Use HSA or FSA for Regenerative and Wellness Care?
Benefits for Your Health
- You address knee, shoulder, spine, or other joint pain earlier, rather than waiting until surgery feels like the only option.
- You invest in non-surgical, evidence-based treatments that support your body’s natural repair systems, rather than relying on chronic pain medication.
- You support long-term function, mobility, and quality of life; not just short-term symptom relief.
Benefits for Your Budget
- HSA and FSA contributions are pre-tax, so you pay with dollars that are worth more than after-tax income.
- You can plan larger treatments, such as advanced A2M/PRP therapy.
- You may be able to use FSA funds that might otherwise expire on care you need, instead of losing that money at year’s end.
When you combine pre-tax savings with SmartLife’s focus on avoiding unnecessary surgery and long recoveries, you get a strong financial case for utilizing these funds.
Request an Appointment
Use your HSA or FSA dollars before they expire. Schedule your visit and put those funds toward treatment that improves how you move and feel.
SmartLife Services that May be Eligible
Each HSA or FSA plan has its own rules, so you should verify with your individual health plan for specific details. In general, funds must be used for “qualified medical expenses,” which may include care for a diagnosed medical condition.
At SmartLife Medicine, the following services are often considered eligible when recommended by Dr. Vogt to treat a documented diagnosis, such as chronic joint and back pain, osteoarthritis, tendonitis, pelvic floor weakness, incontinence, neuropathy, plantar fasciitis, or other musculoskeletal conditions.
Examples of Services That May Qualify
- Initial and follow-up visits with Dr. Vogt for orthopedic and musculoskeletal conditions.
- Diagnostic imaging, such as ultrasound and Echolight bone health scans.
- Regenerative therapies such as Advanced A2M/PRP for osteoarthritis or tendon injury.
- Shockwave therapy for plantar fasciitis, tendonitis, or other covered musculoskeletal pain.
- Magnetic field therapy for neuropathy, bone healing, or chronic joint pain.
- PelviPower sessions are recommended for lower back, SI joint, and hip pain, pelvic floor dysfunction, incontinence, or pelvic pain, post-partum, post-prostate surgery, and male and female sexual wellness.
- AccuFit sessions are used as part of post-injury or post-procedural rehab to restore strength and function. It is also used to strengthen the quadriceps muscles and support the knee joints. Along with abdominal strengthening to support the spine or address chronic lower back pain.
- Health coaching is eligible when it is part of managing a diagnosed condition and is used to help you work toward treatment goals, such as improving metabolic health, addressing mobility issues, strengthening bone health, or making other lifestyle changes.
How to Use Your FSA or HSA
1
Schedule a Visit and Get a Diagnosis
You meet with Dr. Vogt for a detailed assessment of pain, movement, and health history. We confirm your diagnosis and outline treatment options.
2
Ask About HSA or FSA Use During Your Visit
Let the team know you have an HSA or FSA. We will help you understand which parts of your care are likely to qualify as medical expenses, based on diagnosis and plan guidelines.
3
Pay with Your HSA or FSA Card, or Request Receipts
Many patients pay at the time of service with an HSA or FSA debit card, just as they would with any other card. You can pay out of pocket and submit for reimbursement. In that case, we can provide you an itemized receipt with the information required for your insurance.
4
Submit Documentation If Required by Your Plan
Some plans require you to upload the receipt and/or may ask for a Letter of Medical Necessity for specific treatments. We can prepare this if appropriate for your diagnosis.
5
Plan for Future Health and Maintenance
Review your recurring issues and expected care needs and set next year’s FSA election to match your real health needs and avoid last-minute spending.
When to Think About Using FSA Funds
Since FSAs follow a use-it-or-lose-it rule, you need to plan your care intentionally. Here are some suggested times to schedule your care:
- Late in the year, if you still have FSA dollars and you have knee, shoulder, hip, pelvic, or neuropathy symptoms that you have not treated.
- Early in the year, if you expect to hit your contribution limit, you should plan diagnostics and a regenerative treatment series.
Once you meet your health plan’s deductible, address other issues before your benefits reset.
FAQs for HSA and FSA Payments
Q: Can I use my HSA or FSA to pay for my first visit at SmartLife Medicine?
A: In most cases, yes. Evaluation and management visits for a specific problem, such as knee pain, back pain, or pelvic floor symptoms, are usually considered medical expenses. Your plan makes the final call, but office visits for diagnosis and treatment are generally eligible.
Q: Are regenerative injections like A2M/PRP always covered by HSA or FSA funds?
A: HSAs and FSAs usually allow you to use funds for treatments that address a diagnosed medical condition, including many regenerative therapies. Some plans treat certain injections as “experimental” and may require additional documentation. A Letter of Medical Necessity can help, but each plan decides what it accepts.
Q: Can I use my HSA or FSA for PelviPower or AccuFit sessions?
A: If these sessions are recommended to treat a medical issue, such as incontinence, pelvic pain, weakness after surgery, or loss of function, they may qualify. Both these therapies may qualify for medically directed strengthening for joint support.
Q: Do you bill my HSA or FSA administrator directly?
A: Most patients either pay with an HSA or FSA debit card at the time of service or pay out of pocket and submit receipts on their own portal. SmartLife Medicine does not control your HSA or FSA account. We provide detailed receipts and, when appropriate, a Letter of Medical Necessity so you have what you need to request reimbursement.
Q: What is a Letter of Medical Necessity?
A: A Letter of Medical Necessity is a brief note from Dr. Vogt that explains your diagnosis, your functional limitations, and why a specific treatment is reasonable and necessary for your condition. Some HSA and FSA plans request this for services that fall outside standard insurance coverage, such as certain regenerative injections or extended rehab.
Q: Can I use HSA or FSA funds for aesthetic-only services?
A: Purely cosmetic treatments with no documented medical diagnosis are usually not eligible. If a service addresses a medical issue, such as skin changes after significant weight loss or pelvic floor problems that affect health, your plan might review it differently. Always check with your HSA or FSA administrator for your specific situation.