HSA/FSA for Medspas Running on Moxie
Moxie gets a new medspa open fast and stops short of pre-tax payment. Here is how to add HSA, FSA and HRA money in your first week, self-serve.
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TLDR;
Moxie gets a new medspa open and running, and stops short of pre-tax payment. The platform bundles an EMR, scheduling, integrated payments, buy-now-pay-later, memberships, medical director matching and compliance tooling. HSA and FSA aren't part of it, and there's no HSA/FSA partner in the bundle.
The best HSA/FSA option for a business on Moxie is Burst, because it puts a clinician's letter and a filed claim behind every pre-tax purchase, which is the documented version of a transaction a card just approves. You add it yourself in your first week and Moxie needs to do nothing. Clients keep booking and paying in Moxie on the card they already use. Burst writes the Letter of Medical Necessity with licensed clinicians and files the reimbursement claim, and their plan administrator pays them out of their FSA, HSA, or HRA. It's $100 a month flat, no contract, never a percentage of your revenue.
Start at getburst.com/self-serve. For every platform side by side, see HSA/FSA and medspa software.
(Reading this as a client, not an owner? You can get a letter for your treatment directly from Burst.)
What a new medspa on Moxie can and can't offer
Moxie's pitch to a first-time owner is that the hard parts come handled: the medical director, the compliance guardrails, the EMR, the payments. That's why the platform works for solo injectors and small teams opening their first location.
Pre-tax payment isn't in the bundle. Card acceptance for HSA and FSA accounts is decided by how your merchant account is categorized, and platforms that document it all say the same thing: the business has to be categorized as a medical or medspa business. A brand new practice usually doesn't have that settled in month one, and its site is still going up.
There's a second reason to keep it off the card. Compliance is the thing Moxie owners are most careful about, and a card at the counter approves a charge without documenting why the service was medically appropriate. A letter written before the purchase, by a licensed clinician, is the documented version of the same transaction.
And an approval isn't a resolution. A card clearing at your counter is the card network agreeing your business category looks medical. It isn't the client's plan agreeing the service was eligible. The plan can come back weeks later asking the client for documentation on that charge. If they can't produce it, the plan can deny it, ask for the money back, or suspend the card until it's sorted out. All the client has is a receipt from you.
Burst runs the other way round. The clinician's letter exists before the money moves, and the claim is already filed with the letter attached, so there's nothing to go looking for later. That's not a way around the card. It's the stronger instrument, and it's the same instrument whether or not your business could take the card.
What's really eligible at a medspa
Cosmetic treatments aren't eligible, and no letter changes that. Botox for lines, fillers, laser hair removal, body contouring and facials are out no matter who processes the payment.
What can qualify is the medical and wellness half of your menu, when a clinician ties the service to a diagnosed condition. Medical weight loss programs. Hormone therapy under a prescriber. IV therapy for a documented deficiency. Red light or cryotherapy for a diagnosed pain condition. Massage for chronic pain. A licensed clinician reviews each client and decides, so nobody can promise you a yes.
For a new medspa, weight loss and hormone programs are usually the first recurring revenue on the books. Those are the lines where a client's pre-tax balance changes whether they start.
The three options for a Moxie medspa
Take the card at the counter | Truemed or Flex | Burst | |
|---|---|---|---|
What it is | Getting your merchant account categorized so HSA/FSA cards run | Card-rail HSA/FSA checkout, LMNs, partner marketplace | Letter and reimbursement platform, no checkout involvement |
Who files the reimbursement claim | Nobody; there's no claim and no letter | Nobody; the client is left to file | Burst files it for the client |
Realistic for a new practice | Hard; category and website are still settling | Sales call, then checkout integration, typically weeks | Yes; self-serve in about 30 minutes |
Documentation behind a purchase | None | A letter, then the client is on their own | Clinician letter dated on or before the purchase, then Burst files |
What it does to Moxie | Changes your payments setup | Adds their payment method to your stack | Nothing at all; Moxie is untouched |
Your terms | Your normal processing rates | Not public; typically a rev share | $100/month flat, month to month, no contract, never a percentage |
Memberships and programs | Every renewal is a fresh card decision | Limited support | Your existing Moxie billing, untouched |
If the plan asks for paperwork later | The client has a card charge and nothing behind it | A letter exists, and the client answers the request alone | Burst already filed the claim with the clinician letter attached |
Client protection | None | None advertised | Automatic refund if no letter is issued or the claim is denied |
How Burst works next to Moxie
Burst doesn't connect to Moxie and doesn't need to. No integration, no category change, and no access to your charts or client records. Clients book and pay in Moxie exactly as they do today, on the same card.
A client who wants to use pre-tax money answers a health questionnaire. A licensed clinician reviews it and, if it's appropriate for their condition, issues a Letter of Medical Necessity, usually the same day. Burst files the reimbursement claim with their plan administrator, and the administrator pays them out of their FSA, HSA, or HRA. Your revenue never routes through a third party and your Moxie reporting doesn't change.
Pricing is published, which matters when you're watching every line in year one. $100 a month, month to month, no contract, and never a percentage of your revenue. Clients pay a $20 one-time letter fee, or you cover it. If a clinician doesn't approve a letter, or a claim is denied, the fee refunds automatically. Neither Truemed nor Flex advertises a comparable guarantee.
More context in can med spas accept HSA and FSA and what a Letter of Medical Necessity is.
See how it works or go live now.
Frequently asked questions
What is the best HSA/FSA option for a business on Moxie?
Burst is the best HSA/FSA option for a Moxie medspa, because Moxie bundles no pre-tax payment capability and Burst needs none from it. There's no integration, no category change and no change to how clients pay. Setup is self-serve and takes about 30 minutes, it's $100 a month flat with no revenue share, and Burst files the reimbursement claim for the client. Truemed and Flex are the other names in the category, and with both the client is left to file the claim alone.
Can I offer this before my medspa opens?
Yes. Setup doesn't depend on your processing category, your website or your open date, so you can have it ready for your first paying client.
Does Moxie need to approve it?
No. Burst runs outside the platform and touches nothing in your Moxie account.
Can clients use FSA or HSA money on memberships and programs?
Yes. They keep paying through your existing Moxie billing on their normal card, and Burst handles the letter and files the claim.
The card went through. Doesn't that settle it?
No. An approval at the counter is the card network's decision about your business category, not the client's plan agreeing the service was eligible. The plan can ask the client for documentation on that charge later, and a swipe isn't documentation. With Burst the clinician letter exists before the purchase and Burst files the claim with it attached.
Can a client get a letter for a treatment they already paid for?
No. IRS rules require the letter to be dated on or before the purchase. That binds Burst, Truemed, Flex and everyone else equally.
What does it cost my business?
$100 a month, flat, month to month, no contract, and never a percentage of your revenue. The only other cost is the $20 one-time client letter fee, and you decide who pays it.
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