Can I Get Reimbursed for Marriage Counseling through My Health Savings Account?

Marriage counseling for couples is not an eligible health savings account (HSA) medical expense. You would not be able to seek reimbursement through an HSA for marriage counseling as a couple without paying tax and/or fees, depending on your HSA provider. However, couples marriage counseling is not the only way to seek help. Individual marriage therapy is available and eligible as a qualified health savings account medical expense.

Individual Mental Therapy

• Individual mental therapy is an expense eligible for reimbursement by a health savings account. Co-pays charges by psychiatrists and psychologists as well as mental-health-related medicine are all eligible, so long as the therapy is with the individual not the couple. This means that individual marriage therapy is a qualified expense.

Sexual Incompatibility or Inadequacy

• Health savings accounts will reimburse for sexual-incompatibility or inadequacy couples therapy provided by a licensed psychiatrist. However, the therapy eligible for reimbursement must fall under this umbrella.

Flex Cards and Other Payment Methods

• While the tax benefits of a health savings account are undeniable, there are other options for funding couples marriage counseling and it should not be cast aside as unattainable. Some employers offer "Flex" accounts or cards that operate similarly to HSA accounts, but with fewer restrictions. Additionally, some marriage counselors may offer flexible means of payments such as payment plans or discounts for cash accounts. If funding is impossible, consider individual marriage therapy, as some couples have found this method to be quite satisfactory.