HSA / FSA calculator
What you actually pay per session.
If you qualify, your HSA or FSA pays with pre-tax dollars, lowering your real cost per session. Choose a plan, set your tax rate, and see your number.
Membership
Founding Member rates are limited to the first 30 Members per location and confirmed at sign-up.
Your plan
How you’ll use it
Estimate only. Recovery sessions are generally HSA/FSA-eligible only with a Letter of Medical Necessity. Savings depend on your eligibility and tax situation. Not tax advice.
Received.
Check your inbox for a confirmation. Someone from ARC will follow up with your plan and how to claim it.
How reimbursement works.
Many of our Members pay for their ARC sessions with pre-tax HSA or FSA funds. With the right documentation, your sessions can qualify as an eligible medical expense. Here is exactly how it works and what you will need.
- •You do not have to pay with your HSA/FSA card. You can pay any way you like and reimburse yourself later.
- •A recovery session qualifies as a medical expense when a licensed provider documents that it treats a specific health condition (IRS Publication 502 / Section 213(d)).
- •Once you have that note, you submit your itemized ARC invoice along with it to your plan administrator.
What you’ll need
- Letter of Medical Necessity (LMN)From a licensed provider, naming your condition and recommending recovery sessions. There is a ready-to-use template in the guide.
- Your itemized ARC invoiceWe will email this on request. It lists each session, date, and amount paid.
- Your plan's claim formMost HSA/FSA administrators provide a simple reimbursement form on their website or app.
Three ways to get your note
- Your own providerYour primary care doctor, physical therapist, chiropractor, or any licensed clinician you already see.
- TelehealthMany online services can issue an LMN after a short visit.
- At INA SpaOur providers can complete a consultation and write your note. One-time $50 fee, and we'll book it for you.
Step by step
- Get your Letter of Medical Necessity (template in the guide).
- Book and pay for your ARC sessions as usual.
- Request your itemized invoice from ARC.
- Submit the invoice and your LMN to your HSA/FSA administrator, by card payment or reimbursement claim.
- Keep copies for your records; the IRS recommends holding tax documentation for at least three years.
Quick answers
Both can reimburse eligible sessions. FSAs usually want the LMN on file before you claim; with an HSA you self-substantiate, but keep the LMN in case of audit.
Typically 12 months. Renew it annually.
A wide range: chronic back or neck pain, muscle tension, injury recovery, stress-related conditions, and more. It must be a specific condition, not general wellness.
ARC Recovery provides this guide for convenience only and is not a tax, legal, or medical advisor. Eligibility and reimbursement are determined by your plan administrator and the IRS. Please confirm details with your administrator or a tax professional.