Can You Use Your HSA for Aesthetic Treatments? Here’s What to Know

If you have a Health Savings Account (HSA), you may be surprised to learn that some services at Brighton Aesthetics can be paid for using HSA funds. The key factor isn’t whether a treatment is performed in a med spa — it’s medical necessity.

Let’s break down what that means, which treatments may qualify, and how to use your HSA the right way.

What Determines HSA Eligibility?

HSA funds can be used for medical care that treats, manages, or prevents a diagnosed medical condition. Services performed purely for cosmetic or aesthetic enhancement are generally not eligible.

In many cases, coverage also requires a Letter of Medical Necessity (LMN) from your physician.

Two Key Requirements:

1. Medical NecessityThe treatment must primarily address a diagnosable medical condition — not just appearance or relaxation.

2. Letter of Medical Necessity (LMN) Often required by HSA administrators, an LMN is a signed letter from your doctor that explains:

   • Your diagnosis

   • Why the treatment is medically necessary

   • How often the treatment is needed

Treatments That Are Often HSA-Eligible

(With medical documentation when required)

While eligibility is ultimately determined by your HSA provider, the following services are commonly approved when medically necessary:

Laser & Energy-Based Treatments

• Treatment for acne, sun damage, or pigmentation

• Certain laser treatments used for skin cancer prevention or medically indicated skin repair

• Laser treatments for excessive sweating (hyperhidrosis)

• These typically require documentation tying the treatment to a diagnosed condition

Medical-Grade Skincare

• Products or protocols prescribed for:

  • Acne

  • Psoriasis

  • Eczema

• Often eligible when recommended as part of a medical treatment plan

Medical Injectables

• Botox for migraines

• Botox for excessive sweating (hyperhidrosis)

• Botox for muscle spasms or medical jaw tension (TMJ)

Weight Loss Programs

• Doctor-prescribed weight loss medications

• Medically supervised programs addressing obesity or metabolic conditions

IV & Vitamin Therapy

• When prescribed by a physician for:

  • Documented vitamin deficiencies

  • Fatigue related to medical conditions

  • Recovery support tied to a diagnosis

Massage Therapy

• For chronic pain, fibromyalgia, stress-related disorders, or circulatory issues

• Typically requires a doctor’s note or LMN

Float Therapy

• When prescribed for:

  • Chronic pain

  • Insomnia

  • Anxiety

  • Stress-related conditions

Treatments That Are Generally Not HSA-Eligible

(Cosmetic or wellness-only services)

These services are typically considered non-medical and are not covered by HSAs unless explicitly tied to a diagnosed condition:

• Standard facials, peels, or microdermabrasion(unless part of treating severe acne or a medical skin condition)

• Dermal fillers & anti-aging injectables(used for wrinkle reduction or volume restoration)

• Laser hair removal

• Nail services, blowouts, and traditional spa treatments

• Relaxation-only services without medical justification

How to Use Your HSA at Brighton Aesthetics

To avoid surprises, we recommend the following steps:

1. Talk to Your Physician First

   Ask whether your condition qualifies and if they can provide a Letter of Medical Necessity.

2. Confirm with Your HSA Provide

   HSA administrators make the final determination — coverage rules can vary.

3. Ask Our Team

   We’re happy to help you understand which services may qualify and what documentation you’ll need before your appointment.

A Friendly Reminder

HSA rules are set by the IRS and administered by your individual provider. While we strive to guide you accurately, Brighton Aesthetics cannot guarantee coverage and does not provide tax or legal advice. When in doubt, always confirm eligibility before using HSA funds.

The Bottom Line

If a treatment is designed to treat or manage a medical condition, there’s a good chance your HSA can help cover it, especially with proper documentation. If it’s purely cosmetic, it likely won’t qualify.

Have questions about a specific service?

Reach out to our team. We’re here to help you look and feel your best, with clarity and confidence.