FSA + HSA + Out of Network
Reimbursement FAQS
Health Savings Account (HSA) or Flexible Spending Account (FSA) is a pre-tax benefit account that allows individuals to use funds for eligible health-related expenses.
These accounts are typically provided through an employer or health insurance plan and may allow reimbursement for services that support physical health, stress reduction, pain relief, or recovery depending on the specific plan rules.
Ask your health insurance provider for out-of-network about your reimbursement options.
ASK YOUR PROVIDER IF YOUR PLAN INCLUDES TREATMENTS FOR:
MASSAGE & MANUAL
THERAPY
STRESS DISORDERS
Q: Do you accept insurance or direct HSA/FSA cards?
A: We do not accept insurance or HSA/FSA cards directly. All services are paid via standard credit/debit card at the time of booking. Any ACH payments are still subject to our standard terms and conditions.
Q: How do I get reimbursed using my HSA/FSA?
A: Upon request, we provide a Superbill (an itemized paid receipt with standard medical CPT billing codes). You submit this directly to your provider for potential out-of-network reimbursement.
Q: What kinds of questions can I ask my insurance provider to see what my out-of-network coverage is?
A: Ask your provider if your plan specifically covers Massage Therapists superbills using CPT codes 97124 (Massage Therapy), 97140 (Manual Therapy / Myofascial Release), 97112 (Neuromuscular Re-education).
Also, ask if there are any deductibles you need to meet with your plan and if so, what they are? Every plan is different, so getting guidance from your provider is paramount.
Q: Am I guaranteed to get my full amount back?
A: Reimbursement is determined solely by your individual plan rules. We highly recommend confirming your specific out-of-network benefits with your provider beforehand, as approval is never guaranteed.
Holistic Touch by Nazra cannot be held responsible for improper use of your specific FSA/HSA plans.
Q: Do I need a doctor’s note (Letter of Medical Necessity)?
A: Some plans require a Letter of Medical Necessity (LMN) from a licensed healthcare provider (e.g. a doctor or chiropractor) linking your sessions to a health need like pain relief or stress reduction.
I know that a lot of my clients have shared their success of reimbursement when they get an LMN from their doctor first. They share that letter with me so that I make sure I cover the scope of work that has been approved in the superbills they provide for reimbursement.
Holistic Touch by Nazra does not claim any guarantees for client/patient's reimbursement. Please confirm with your insurance provider.
Q: What if my Mental Health Professional (MHP) recommends massage therapy for my stress disorder?
A: Your MHP would need to issue a Letter of Medical Necessity outlining: (1) Provider Credentials: The professional's license number, NPI # and signature, (2) Official Diagnosis with a mental health condition and its corresponding billing code (e.g. ICD-10 code for Generalized Anxiety Disorder), (3) Clinical Rationale: An explanation of how massage therapy will treat or mitigate the symptoms of that specific disorder (e.g., "to reduce severe physical somatic tension and somatic anxiety"), and (4) Treatment Plan: A defined timeline, such as "one 60-minute session per week for 12 weeks".
Holistic Touch by Nazra does not claim any guarantees for client/patient's reimbursement. Please confirm with your insurance provider.
Q: Which services do you provide Superbills for?
A: For our massage only memberships and for one-third of our individual treatment plans and any other services that entail 100% of manual & massage therapy for repeat clients. The superbill reflects the terms outlined in your letter of medical necessity.
Q: Are there payment plans for the remaining balance that is not included in my out-of-network coverage?
A: Yes. We offer payment plans via PayPal and AfterPay. For a list of CPT/ICD, we provide in superbills that you'd like to submit to your doctor and provider, please email us.
Q: Is this a replacement for medical care?
A: No. The therapeutic bodywork, somatic support, and yoga services provided here are complementary healing modalities, not a substitute for licensed medical, psychological, or psychiatric care.