Question 1

Is red light therapy HSA/FSA eligible?

Accepted Answer

Yes, red light therapy may be HSA/FSA eligible for qualified customers when accompanied by a Letter of Medical Necessity (LMN). Red light therapy devices aren't on the IRS's standard list of qualified medical expenses, so eligibility depends on a licensed clinician confirming the product is medically necessary to treat, mitigate, or prevent a diagnosed condition. With an LMN on file, qualified customers can use pre-tax HSA/FSA dollars on red light therapy panels, masks, belts, and hair growth devices from Truemed partner brands like iRESTORE, Celluma, HigherDOSE, Hooga Health, Mito Red Light, Lumebox, NovaaLab, Bon Charge, Chroma, Therasage, and Hairmax, saving an average of 30% on the purchase.

Question 2

Are red light therapy masks HSA/FSA eligible?

Accepted Answer

Yes, red light therapy masks may be eligible for HSA/FSA spending for qualified customers when supported by a Letter of Medical Necessity. Red light masks are most commonly recommended for diagnosed skin conditions like acne, rosacea, eczema, psoriasis, or chronic facial pain.

Question 3

What exactly is red light therapy and why would it be medically necessary?

Accepted Answer

Red light therapy, also known as photobiomodulation, uses specific wavelengths of red and near-infrared light to penetrate the skin and stimulate cellular repair and regeneration. It has been clinically studied for its ability to reduce inflammation, speed up wound healing, relieve chronic pain, improve skin conditions, boost muscle recovery, and even support mental health. When a licensed healthcare provider determines that these benefits are medically necessary for your specific condition, your red light therapy device purchase may become eligible for HSA/FSA funding.

Question 4

How does the Letter of Medical Necessity process work for red light therapy?

Accepted Answer

Getting your LMN through Truemed is simple and happens entirely online. You fill out a clinical intake form about your medical history and current conditions. A licensed healthcare provider then reviews your information and if they determine that red light therapy is medically necessary for your situation, they issue your LMN digitally. You then use that LMN to complete your purchase using your HSA/FSA card. The whole process is straightforward and may help you save on your red light therapy device through HSA/FSA tax advantages. HSA/FSA tax savings vary.

Red Light and Recovery

Red light therapy, saunas, cold plunges, and related accessories—all eligible for HSA/FSA savings for qualified customers.

Red Light and Recovery

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