How to pay for online therapy with your health savings account
Last updated: January 2025 | Medically reviewed
Most online therapy expenses are eligible for HSA/FSA reimbursement, including subscription fees and session costs. Mental health services are considered qualified medical expenses under IRS guidelines.
You can typically pay directly with your HSA/FSA debit card, or pay out of pocket and submit for reimbursement. Keep all receipts and documentation.
BetterHelp, Talkspace, and most major platforms accept HSA/FSA payments. Some may require you to pay and submit for reimbursement rather than direct payment.