Doctors, Services and Prescriptions

Most prescription drugs and doctor visits are covered outright by your FSA, HSA or HRA. But some clinical services, like physical therapy, chiropractic care, lab tests and vaccines, need a letter of medical necessity to show your plan administrator why the service treats your diagnosed condition. This section walks you through what's eligible on its own, what needs a letter, and what doesn't qualify.

You'll find guides covering prescriptions, doctor visits, physical therapy, chiropractic services, lab tests, vaccines and other clinical services your plan might cover. Common questions people ask: Are my prescriptions covered? Is physical therapy reimbursable? Do I need a letter for vaccines? What's the difference between a service that's covered outright and one that needs a letter?

When you need a letter of medical necessity, a licensed clinician will review your request and write one explaining how the specific service treats your diagnosed condition. That letter helps your administrator approve the reimbursement claim and get you paid.