Red Light Therapy

Yes, red light therapy may be HSA/FSA eligible for qualified customers when accompanied by a Letter of Medical Necessity (LMN). Red light therapy devices aren't on the IRS's standard list of qualified medical expenses, so eligibility depends on a licensed clinician confirming the product is medically necessary to treat, mitigate, or prevent a diagnosed condition. With an LMN on file, qualified customers can use pre-tax HSA/FSA dollars on red light therapy panels, masks, belts, and hair growth devices from Truemed partner brands like iRESTORE, Celluma, HigherDOSE, Hooga Health, Mito Red Light, Lumebox, NovaaLab, Bon Charge, Chroma, Therasage, and Hairmax, saving an average of 30% on the purchase.

Eligibility is contingent on your personal health history and needs and requires substantiation by licensed medical professional. Conditions that may support medical necessity for red light therapy commonly include diagnosed skin conditions (acne vulgaris, rosacea, eczema, psoriasis), hair loss (androgenetic alopecia), chronic musculoskeletal pain, joint pain and arthritis, wound healing, neuropathic pain, post-procedure inflammation, and recovery needs tied to a diagnosed condition. General goals like wanting smoother skin or more energy without an underlying condition do not, on their own, meet the IRS standard for HSA/FSA eligibility.

Yes, red light therapy masks may be eligible for HSA/FSA spending for qualified customers when supported by a Letter of Medical Necessity. Red light masks are most commonly recommended for diagnosed skin conditions like acne, rosacea, eczema, psoriasis, or chronic facial pain.

Yes, red light therapy devices used to treat hair loss may be eligible for HSA/FSA spending for qualified customers when a licensed clinician determines the device is medically necessary for a diagnosed condition like androgenetic alopecia. Red light hair growth caps and helmets, like those from Hairmax and iRESTORE, work via low-level laser therapy, an FDA-cleared treatment for hereditary hair loss.

Qualified customers save an average of about 30% when paying with pre-tax HSA/FSA dollars instead of post-tax money. Actual savings vary based on your individual tax rate. For example, on a $400 red light therapy mask, a 30% effective savings rate works out to roughly $120 back in your pocket compared to paying with a regular debit or credit card. On larger purchases like a full-body red light therapy panel, the dollar savings can be significantly higher. HSA/FSA tax savings vary; learn more at truemed.com/disclosures.