If you’ve ever opened your HSA or FSA portal and thought, “What am I even supposed to spend this on… another thermometer?” this post is for you.
Most people don’t realize that pre-tax HSA and FSA dollars can be used for Nutritional Therapy when it’s supporting a documented health condition.
Yes — my programs.
Yes — 1:1 functional support.
Yes — the kind of work people often delay because life is busy, symptoms are loud, and the logistics feel overwhelming.
Those dollars were set aside for your health. You’re allowed to use them for something that actually moves the needle.
Why Nutritional Therapy Qualifies (Even If Your Insurance App Doesn’t Say So)
Nutritional Therapy is considered a qualified medical expense when it supports a diagnosed or documented condition. Coverage isn’t determined by what your insurance app advertises — it’s determined by how the expense is categorized and documented.
Common qualifying conditions include:
- Hashimoto’s and thyroid dysfunction
- Autoimmune symptoms
- Chronic fatigue or burnout
- Hormonal imbalance
- Blood sugar instability
- Postpartum depletion
- Digestive issues / IBS
- Anxiety and nervous system dysregulation
- Mold illness
- Food sensitivities
- Inflammation or chronic pain
- Elevated triglycerides or cholesterol
- Weight that won’t budge despite “doing all the things”
This is exactly the terrain Nutritional Therapy works in — which is why it qualifies.
What You Actually Need (The Simple Version)
- An itemized invoice
I provide this automatically. - A Letter of Medical Necessity (LMN)
This can come from:- a physician
- a chiropractor
- a nurse practitioner
- an ND or DO
- sometimes an NTP (this varies by plan)
- Save your invoice + LMN
Upload both to your HSA/FSA portal. - Reimbursement or direct payment
Some plans reimburse you after the fact. Others allow you to pay directly with your HSA card.
What You Can Typically Use HSA/FSA Funds For
- Initial consultations
- 3-month nutrition or wellness programs
- Functional protocols
- Drainage and thyroid support
- Blood sugar stabilization
- Nervous system support
- Lab reviews
- Follow-up sessions
In other words: the actual work — not just a single appointment.
A Note on FSAs (Because This Part Matters)
FSAs are usually use-it-or-lose-it. Some plans offer a short grace period. Many don’t.
Every year, people realize too late that they could’ve used their benefits for meaningful support instead of scrambling on medical supply websites at the last minute.
This isn’t pressure, it’s information. Those dollars were set aside for your care, not your junk drawer. So even if you can’t use the sessions before the end of the year, you can usually pay for and book them.
Timing: You Don’t Have to Start Everything Immediately
Many clients:
- secure their package while funds are available
- submit documentation within the eligible window
- begin sessions over the following months
This is especially common for parents, autoimmune clients, and anyone who needs to pace their healing.
What Working With Me Actually Looks Like
This isn’t “here’s a list, good luck.”
We work through the foundations that actually change physiology:
- digestion
- blood sugar regulation
- liver and lymphatic drainage
- thyroid and adrenal support
- nervous system regulation
- mineral balance and electrolytes
- mitochondrial energy
- hormone balance
- sleep
- detox and elimination pathways
It’s slow where it needs to be, specific where it matters, and grounded in how bodies actually recover.
Interested in working together?
If you’re exploring support or want to understand whether working together is a good fit, you can start here.
What I’d Tell a Client
You’re already funding your HSA or FSA. Using it for real support isn’t indulgent. So use those dollars for something that actually builds your health rather than more bandaids.