You've decided to get answers, and then the practical brain kicks in: wait, can I actually pay for this with my HSA card?
Yes, for therapy. It's a qualified medical expense, so you can pay with your HSA or FSA card. You need two things: a licensed provider (that's me, an LPC) and a clinical reason (treating a diagnosable condition, not "general wellness"). For the Clarity Assessment, your plan decides.
How you actually use it
Two ways, both easy:
- Swipe the card. If your HSA/FSA came with a debit card, you can use it at booking, same as any other card.
- Pay and reimburse yourself. Pay out of pocket, then file for reimbursement from your HSA administrator.
Either way, get an itemized receipt, a superbill that lists the service. That's your paper trail if the IRS ever asks.
What qualifies and what doesn't
Eligible: therapy for a diagnosable mental-health condition — ADHD, autism, anxiety, depression, trauma — performed by a licensed provider, and a full assessment done to diagnose one. A Clarity Assessment exists to understand a real, diagnosable difference in how your brain works, but it doesn't diagnose one. So whether it counts is your plan's call.
Not eligible: life coaching, "general wellness," or stress-management with no clinical tie. The line the IRS draws is treating or diagnosing a condition vs. generic self-improvement.
The one catch (the "but I have an LPC" question)
The rule that trips people up is the licensed provider requirement. I'm a Licensed Professional Counselor, so therapy with me qualifies.
The only real variability is your specific plan. The IRS sets the baseline, but a few employer FSA or HRA plans add their own hoops. Skim your plan document, and if they want documentation, ask me for a Letter of Medical Necessity — a short note explaining the clinical reason.
Why this matters here, specifically
What actually helps your wallet: insurance generally won't reimburse an assessment as "testing" through a counselor like me, so there's effectively no insurance path for the assessment itself. But your HSA/FSA pre-tax dollars can still work for the $125/hour if your plan accepts it, so that money is never taxed on the way in. How much that matters depends on your tax bracket.
So even though we don't play the insurance game on assessments, your tax-advantaged money still does real work.
Questions about your specific plan? Bring them to a free Fit Check and we'll sort the money out together. Start with a free Fit Check →
Quick Answers
If your plan accepts the Clarity Assessment, you can swipe the card or pay out of pocket and reimburse yourself from your HSA or FSA later. Either way, get an itemized receipt (a superbill) and keep it for your records.
A full diagnostic assessment counts: the IRS includes the cost of diagnosing a condition. The Clarity Assessment doesn't diagnose. So whether it counts is up to your plan. If your plan asks, I can write a Letter of Medical Necessity.
For therapy, yes. The IRS counts care from licensed providers for a diagnosable condition, and I'm a Licensed Professional Counselor. For the Clarity Assessment, check with your plan.
A handful of employer FSA/HRA plans are pickier than the IRS baseline. If yours wants extra paperwork, ask me for a Letter of Medical Necessity. Skim your plan document so you know before you book.
Yes. Ongoing therapy for a diagnosable mental-health condition is a qualified medical expense.
Part of: Cost & Insurance →
