Use your Flexible Savings or Health Savings Account to pay for your PT

pink piggy bank with coins

Do you have an FSA/HSA , or Flexible Spending /Health Savings Account through your employer?


If you have funded your FSA or HSA, then be sure to use it before you lose it!

 It applies to physical therapy services and is accepted at the Joy of Therapy for all therapy services.

So if you have been putting off getting in for an appointment, or hoping (like most of us do) that the pain will go away, but it hasn’t- then come in soon!

For State of Florida employees, it is called a ‘Benny’ Card and works just like a credit card on medical expenses. December 31 is the last day to incur claims for the calendar year . 

Below is an excerpt from that will help to answer some of your questions. All FSA plans are different, so check what your limits of spending are for this plan year.

“A Flexible Spending Account (also known as a flexible spending arrangement) is a special account you put money into that you use to pay for certain out-of-pocket health care costs.

You don’t pay taxes on this money. This means you’ll save an amount equal to the taxes you would have paid on the money you set aside.

Employers may make contributions to your FSA, but aren’t required to.

Learn about Flexible Spending Accounts

  • For details about your company’s FSA, including how to sign up, ask your employer.
  • Complete information on Flexible Spending Accounts is available from the IRS.

You use your FSA by submitting a claim to the FSA (through your employer) with proof of the medical expense and a statement that it has not been covered by your plan. You will then receive reimbursement for your costs. Ask your employer about how to use your specific FSA.

Read more about how FSAs work in this IRS PDF publication.

A few fast facts about FSAs

  • FSAs are limited to $2,650 per year per employer. If you’re married, your spouse can put up to $2,650 in an FSA with their employer too.
  • You can use funds in your FSA to pay for certain medical and dental expenses for you, your spouse if you’re married, and your dependents.
    • You can spend FSA funds to pay deductibles and copayments, but not for insurance premiums.
    • You can spend FSA funds on prescription medications, as well as over-the-counter medicines with a doctor’s prescription. Reimbursements for insulin are allowed without a prescription.
    • FSAs may also be used to cover costs of medical equipment like crutches, supplies like bandages, and diagnostic devices like blood sugar test kits.
    • Click here to see a list of generally permitted medical and dental expenses.

FSA limits, grace periods, and carry-overs

You generally must use the money in an FSA within the plan year. But your employer may offer one of 2 options:

  • It can provide a “grace period” of up to 2 ½ extra months to use the money in your FSA.
  • It can allow you to carry over up to $500 per year to use in the following year.

Your employer can offer either one of these options but not both. It’s not required to offer either one.

At the end of the year or grace period, you lose any money left over in your FSA. So it’s important to plan carefully and not put more money in your FSA than you think you’ll spend within a year on things like copayments, coinsurance, drugs, and other allowed health care costs.”

“You can include in medical expenses amounts you pay for therapy received as medical treatment”  —

Call, email or send a message on one of our social media sites to schedule your appointment before your FSA benefits expire on December 31- see you soon!

Contact us today!