Insurance & HSA/FSA | Meraki Wellness

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Insurance, HSA/FSA Questions

Meraki Wellness & Meraki Chiropractic are not In-network with any insurance providers, but you can potentially use your Health Savings Account (HSA) or Flex Spending Account (FSA) to cover therapies for specific medical conditions.

The FSA website states, ‘Most alternative treatments should qualify, but they must primarily address a specific medical condition, not general health purposes.’ Your benefits administrator may require a Letter of Medical Necessity (LMN) for FSA, HSA, or HRA reimbursement. This letter should detail how alternative treatments will alleviate the issue and specify the duration of the treatment.

Here is a list of the therapies we offer and the medical conditions they may treat:

Chiropractic Care is utilized to help regulate the brain and nervous system. It helps alleviate stress, reduce anxiety and depression, decrease pain and more. Chiropractic care is usually covered by HSA/FSA but always be sure to check with your insurance provider to clarify.

Floatation Therapy is a form of Restricted Environmental Stimulation Therapy (REST) or Sensory Deprivation Therapy. Conditions that may be considered for coverage with Float therapy include:

Stress and Anxiety: Float therapy is often used to promote relaxation and alleviate stress and anxiety.
Chronic Pain: Float therapy may be prescribed to manage chronic pain conditions, including musculoskeletal issues.
Muscle Tension and Spasms: Individuals with muscle tension or spasms might benefit from the relaxation provided by float therapy.
Insomnia or Sleep Disorders: Float therapy may be recommended to improve sleep quality and address certain sleep disorders.
Migraines and Headaches: Some individuals find relief from migraines and tension headaches through float therapy.
PTSD (Post-Traumatic Stress Disorder): Float therapy is sometimes used as a complementary therapy for individuals with PTSD.
Fibromyalgia: Float therapy may be considered as part of a holistic approach to managing symptoms of fibromyalgia.
Mind-Body Wellness: Float therapy is also used for general well-being, mindfulness, and to enhance mental clarity.

Infrared Sauna raises the core body temperature. Eligible conditions can include, but are not limited to:

Chronic Pain: Infrared Sauna therapy may be covered when prescribed to manage chronic pain conditions such as arthritis, fibromyalgia, or muscle soreness.
Inflammation: Conditions characterized by inflammation, including inflammatory joint disorders, may be eligible for coverage.
Cardiovascular Conditions: Infrared Sauna sessions may be recommended to improve cardiovascular health, making it eligible for coverage in individuals with cardiovascular diseases.
Muscle Stiffness: In cases of arthritis or other musculoskeletal conditions causing stiffness, Infrared Sauna therapy might be eligible for coverage.
Asthma: Some individuals with asthma may find relief from symptoms through Infrared Sauna therapy, making it a potentially covered treatment.

Halotherapy, or dry salt therapy, is eligible for coverage through Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) when prescribed by a qualified medical practitioner. This natural treatment has demonstrated effectiveness in addressing.

respiratory issues such as allergies, asthma, bronchitis, and conditions like Chronic Obstructive Pulmonary Disease (COPD).
Alleviate lingering symptoms associated with COVID-19

providing a potential avenue for reimbursement through these healthcare spending accounts.

Cupping Therapy can be used to

Manage chronic pain conditions, such as lower back pain, arthritis, or fibromyalgia.
Injury Rehabilitation: If a healthcare provider prescribes Cupping therapy as part of a rehabilitation plan for injuries.
Muscle Tension and Spasms
Stress-Related Conditions such as tension headaches or anxiety, may be eligible for coverage when massage therapy is part of a treatment plan.
Orthopedic Issues: Certain orthopedic conditions, such as joint stiffness or restricted range of motion, may be addressed with massage therapy under the guidance of a healthcare professional.
Circulatory Conditions: Conditions that affect circulation, such as edema or lymphedema.

Important Considerations:

Prescription or Recommendation: To be eligible for coverage, a qualified healthcare professional must prescribe or recommend for the treatment of a specific medical condition.
Letter of Medical Necessity (LMN): Some plans may require a Letter of Medical Necessity from your healthcare provider, outlining the medical need for Therapy.
Plan Documentation: Review your HSA or FSA plan documents to understand specific terms, conditions, and any documentation requirements for reimbursement.
Individual Plan Variations: Coverage can vary between different HSA and FSA providers, and individual plans may have specific guidelines.

How to Use HSA or FSA for Alternative Treatments?

When looking to cover alternative treatments with your HSA or FSA, you should always begin by contacting your insurance company. Some insurance companies do not cover alternative treatments even if they are prescribed by a doctor. Once you have established that the treatment you are seeking is covered, you should visit your doctor to get a prescription.

If required by your insurance, make sure that you obtain a Letter of Medical Necessity from your doctor to give to your insurance company along with your prescription.

Health Savings Account (HSA):

Eligibility Criteria:

- The treatment should be deemed medically necessary, and documentation may be required to support the medical need.

Reimbursement Process:

- Pay for the sessions out-of-pocket.
- Keep records of payments and any required documentation, such as a Letter of Medical Necessity (LMN) from your healthcare provider.
- Reimbursement can be requested from your HSA by submitting eligible expenses.

Flexible Spending Account (FSA):

Eligibility Criteria:

- Similar to HSAs, your sessions may be eligible when prescribed by a qualified healthcare professional to address a specific medical condition.
- You may need to provide documentation, such as a Letter of Medical Necessity (LMN), to support the medical necessity.

Reimbursement Process:

- Pay for the sessions upfront.
- Keep detailed receipts and any required documentation.
- Submit a claim for reimbursement through your FSA by following the specific procedures outlined by your FSA administrator.

References: