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Using your Health Savings Account (HSA) or Flexible Spending Account (FSA) is an excellent way to cover your mental health care using pre-tax dollars, significantly lowering your overall out-of-pocket costs. Because psychiatric evaluations, medication management, and mental health therapy are fully qualified medical expenses under IRS guidelines, you can use these funds freely at our practice.

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How to Use Your HSA or FSA for Care

Whether you are paying our standard self-pay rates or waiting for an out-of-network reimbursement via a superbill, managing your accounts is highly straightforward.
1

Link Your Card in the Patient Portal

Before your session.The simplest way to pay is to add your HSA or FSA debit card directly to your Jane patient portal. Our system will securely charge your pre-tax account through Stripe on the day of your appointment, just like a standard credit card.Please review our Financial Responsibility & Payment Policy for for details.
2

Alternative Pay-and-Reimburse Method

If your card is declined.Some FSA/HSA cards are restricted by their administrators for telehealth or specific medical codes. If your card doesn’t go through, you can pay using a standard credit card and manually submit our payment receipt to your HSA/FSA administrator to reimburse yourself directly from your fund.
3

Download and Save Your Documentation

Keep everything organized.The IRS requires documentation to prove that your HSA/FSA funds were used for legitimate medical care. For every appointment, download your itemized receipt or superbill directly from your secure patient portal. Keep these files saved in case your account administrator requests verification or you face a tax audit.

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Using HSA/FSA with Superbills (Out-of-Network)

If you are using an HSA or FSA to pay for an appointment upfront and plan to submit a superbill to your regular insurance for reimbursement, you must handle the funds carefully to avoid “double-dipping,” which is restricted by tax law.
If your insurance…What you must do with the funds
Denies the claim (or applies it entirely to a deductible)No action needed. The full amount remains a valid HSA/FSA medical expense.
Reimburses you directly (via check or direct deposit)You must return that exact reimbursed amount back to your HSA/FSA account as a “mistaken distribution” or use it to pay for a different qualified medical expense to keep your tax records accurate.

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What should be on your receipt?

If your HSA/FSA administrator requests documentation to approve a transaction, a basic credit card receipt isn’t enough. They want to see the patient name, date of service, description of service (e.g., psychiatric visit), and the amount paid. All of this is automatically included on the invoices and superbills generated in your portal.