That massage gun sitting in your shopping cart might do wonders for sore quads—but can it also save you money? If you’ve got a Flexible Spending Account (FSA) or Health Savings Account (HSA), you might be wondering if this recovery tool qualifies as an eligible expense. The short answer: yes, but with a few caveats.
This guide breaks down exactly how to get your massage gun approved under FSA or HSA, what documentation you’ll need, and how to avoid common reimbursement mistakes. Plus, we’ll review top FSA-approved massage gun models, how to compare Theragun options, and how to use mini massage guns for effective recovery. Let’s dig in.
What Is an FSA or HSA?
FSA (Flexible Spending Account) and HSA (Health Savings Account) are pre-tax accounts that let you set aside money for qualified health expenses.
- An FSA is typically offered through your employer and must be used within the plan year, although some plans offer short grace periods or partial rollovers.
- An HSA, in contrast, is tied to high-deductible health plans (HDHPs) and is individually owned. Funds roll over indefinitely and can even be invested over time.
FSA vs. HSA: Quick Comparison
➡️ Bottom line: Both can help you save on health-related purchases, including massage devices—if they qualify.
Are Massage Guns Eligible Medical Devices?
Massage guns can be FSA/HSA eligible, but only when considered medically necessary. According to the IRS Publication 502, medical expenses must be primarily to alleviate or prevent a physical or mental defect or illness.
Massage guns are often considered general wellness items—similar to fitness trackers or foot spas—unless you have documentation from a licensed medical professional. That’s where a Letter of Medical Necessity (LMN) comes in.
What’s a Letter of Medical Necessity (LMN)?
An LMN is documentation from your doctor stating that a product or service is essential to treat a medical condition. Without this document, most FSA/HSA administrators will reject massage gun reimbursements.
Your LMN should include:
- Your name and diagnosis or symptoms (e.g., chronic back pain, post-workout stiffness)
- Doctor’s recommendation of a massage gun as part of treatment
- Duration of use (e.g., daily for six months)
💡 Tip: Some providers have LMN templates you can use—just ask during your appointment or download a sample from your FSA provider’s website.
How to Use Your FSA or HSA to Buy a Massage Gun
Here’s a step-by-step process:
- Consult Your Doctor – Explain your symptoms or needs (e.g., muscle tightness, chronic tension, or limited access to in-person therapy).
- Get the LMN – Request it in writing. Some providers accept PDFs or signed doctor notes on letterhead.
- Check With Your FSA/HSA Provider – Confirm their process and requirements. Some require pre-approval.
- Purchase the Massage Gun – Buy from your preferred retailer and submit documentation afterward.
- Save Receipts and LMN – Keep everything on file for reimbursement or tax purposes.
📎 Note: If your provider declines reimbursement, you may be able to appeal with additional medical documentation.
Is Theragun FSA Eligible?
🔎 Still unsure? Read our full article: Are Theraguns FSA Eligible? for everything you need to know before you buy—including prescription tips, top models, and reimbursement FAQs.
🔎 Want a deeper dive? Read our full review of Theragun models here to find the best option based on noise level, power, and price point.
Theragun is one of the most trusted names in percussive therapy—and if you’re shopping with FSA funds, it’s worth comparing models before you invest. Whether you’re a beginner or a serious athlete, there’s a version that fits your needs (and budget).
Therabody offers multiple massage guns under the Theragun line. Here’s a quick comparison:
👉 Theragun Mini is a great travel-friendly option—affordable, TSA-friendly, and surprisingly powerful. Tap here to check availability and reviews on Amazon.
Best Mini Massage Guns for Travel or Everyday Relief
🔎 Looking for something compact but powerful? Check out our in-depth guide to the best mini massage guns for travel, work, and everyday muscle relief.
Looking for something portable that still delivers real muscle relief? Mini massage guns are compact, quiet, and effective for on-the-go recovery—and they make great giftable wellness tools too.
Here are some top picks you can buy online (yes, these can qualify for FSA/HSA reimbursement with the right paperwork—and they’re all Amazon affiliate-friendly):
👜 Perfect for travel, post-workout cooldowns, or your desk drawer. Tap the links to check current Amazon pricing and see which model fits your budget and needs.
Top Reasons a Doctor Might Prescribe a Massage Gun
Massage guns may be prescribed for:
- Chronic pain conditions (e.g., fibromyalgia, arthritis)
- Post-operative rehabilitation
- Muscle tightness from repetitive motion jobs (e.g., construction, nursing)
- Recovery from high-intensity training or competitive athletics
- Circulatory disorders that benefit from localized vibration therapy
👨⚕️ If your discomfort affects your quality of life, your doctor may agree it’s a valid therapeutic device.
Can I Get Reimbursed for a Massage Gun I Already Bought?
Possibly. If you made the purchase in the current plan year and have a backdated LMN from your physician, many plans will honor the claim.
Make sure you have:
- A detailed receipt (with product name, date, and seller)
- A Letter of Medical Necessity dated within your current plan year
📌 Always check your provider’s reimbursement window (some allow 60–90 days after purchase).
FAQs About Massage Guns and FSA/HSA Eligibility
Are shoulder or neck massagers FSA eligible? Yes—if recommended by a physician and backed by an LMN.
Can I use FSA funds online? Absolutely. Just be sure to keep your receipts and supporting documentation.
Does insurance cover massage guns? Rarely, but some policies may if the device is part of a prescribed treatment plan.
What if my claim gets denied? File an appeal with your LMN, receipt, and any supporting medical notes.
Do I deduct FSA purchases on my taxes? No—FSA and HSA funds are pre-tax, so those purchases are already tax-advantaged.
Can I buy other recovery tools with FSA? Yes! Compression devices, foam rollers, TENS units, and some orthotics may qualify with a doctor’s note.
Common Mistakes to Avoid When Using FSA for Massage Guns
- ❌ Buying without an LMN
- ❌ Submitting a vague or incomplete receipt
- ❌ Assuming every massage device qualifies
- ❌ Failing to verify with your FSA/HSA provider first
- ❌ Letting the reimbursement window close before you claim
✅ Pro tip: Save both a digital and hard copy of your LMN and receipt just in case you need to resubmit.
Final Thoughts: Is It Worth Using FSA for a Massage Gun?
Absolutely—if it’s medically necessary and part of a recovery or pain management plan. With prices ranging from $100 to $400+, using pre-tax funds for a massage gun can save you up to 30% or more, depending on your tax bracket.
Massage guns offer relief from tension, boost circulation, and aid in faster recovery. Just be sure to follow the steps: talk to your doctor, get your LMN, and confirm eligibility before you buy.
👉 Next step: Talk to your provider, get your LMN ready, and start comparing massage guns that suit your needs—especially if you’re eyeing a Theragun or mini model.
📌 Also read:
👉Best Mini Massage Guns for Every Budget
👉Theragun Models Compared: Which One Is Right for You?
👉How to Write a Letter of Medical Necessity That Gets Approved
References:
🔗Using a Flexible Spending Account (FSA) – Healthcare.gov
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