How to Use Your HSA or FSA for Concierge Physical Therapy at VIPT
A Simple Guide to Submitting Documentation for Reimbursement
If you’re receiving personalized care at VIPT Concierge Physical Therapy in Palm Beach Gardens, you’re already investing in high-quality, one-on-one treatment designed to help you recover faster and move better. While VIPT does not bill insurance directly, many of our clients successfully use their Health Savings Account (HSA) or Flexible Spending Account (FSA) to receive partial or full reimbursement for physical therapy services.
Here’s how you can make the most of your HSA or FSA and submit the proper documentation for reimbursement.
What Are HSA and FSA Accounts?
An HSA (Health Savings Account) and an FSA (Flexible Spending Account) are tax-advantaged savings accounts that can be used to pay for qualified medical expenses, including physical therapy. These accounts are usually offered through your employer, and funds can be used to cover services—even if those services were paid out of pocket at the time of treatment.
Good news: Concierge physical therapy is often eligible for reimbursement, as long as the service is considered medically necessary and you provide appropriate documentation.
What You’ll Need to Submit for Reimbursement
To be reimbursed through your HSA or FSA, most employers or plan administrators require the following:
A Detailed Invoice or Receipt from VIPT
This should include your name, date of service, the type of service provided (e.g., “Physical Therapy Evaluation,” “Manual Therapy,” “Dry Needling,” etc.), and the amount paid.
VIPT will provide you with an itemized invoice upon request for each visit or a summary for a group of sessions.
A Letter of Medical Necessity (Optional, but sometimes required)
Some plans may request a note from your physician or physical therapist stating that physical therapy is medically necessary to treat a specific diagnosis or condition.
We can help you obtain this document if your plan administrator requests it.
Reimbursement Form from Your HSA/FSA Provider
Each provider (like WageWorks, Optum, or HealthEquity) typically has their own form to fill out. You can find it by logging into your benefits portal or contacting your HR department. Attach your VIPT documentation to this form and submit as directed (by email, upload, or mail).
Helpful Tips to Make the Process Smoother
Save Your Documentation: Keep copies of all invoices and receipts for your records.
Check with Your Provider First: If you’re unsure whether concierge physical therapy is reimbursable, call your HSA/FSA administrator or log in to your account to review eligible expenses.
Bundle Your Sessions: Submitting one request with several sessions listed may be easier for reimbursement than submitting multiple one-off claims.
Know Your Deadlines: FSAs often have a “use it or lose it” rule by the end of the plan year, so be mindful of submission timelines.
We’re Here to Help
At VIPT Concierge Physical Therapy, we’re committed to not only delivering world-class rehab care, but also supporting our patients every step of the way—including with their HSA and FSA reimbursement process. If you need a custom invoice, a letter of medical necessity, or clarification on your documentation, just ask—we’re happy to assist.
If you’re in Palm Beach Gardens or the surrounding area and looking to invest in private, effective, and personalized physical therapy that supports long-term wellness, contact us today and learn how you can use your benefits to support your recovery journey.