FSA & HSA | Chrystal Clinic

FSA & HSA Benefits

Your wellness benefits
go further here.

We accept FSA and HSA cards directly — and for plans that require it, we provide superbills so you can get reimbursed. It's simpler than it sounds.

What's covered?

Acupuncture
Massage therapy (when medically indicated)
Red light therapy
Herbal medicine (varies by plan)

Not sure if your specific service qualifies? Most FSA/HSA plans cover acupuncture and massage when related to a medical condition. Check with your plan administrator — or request a superbill from us and let your plan decide.

Step 1

Pay with your card at checkout

Just swipe your FSA or HSA debit card like any other card — no forms, no prior authorization needed in most cases. That's it.

If your card is declined (this can happen depending on how your plan is set up), no worries. We'll provide you a superbill and you submit it for reimbursement directly. You'll still get your money back.

We do not bill insurance directly. We are an out-of-network provider. Superbills give you everything you need to self-submit to your FSA, HSA, or insurance plan.

Step 2 (if needed)

Request a superbill

A superbill is an itemized receipt with the medical codes your FSA/HSA administrator needs to process a reimbursement. Just ask for one — at your appointment or afterward — and we'll email it within 1–2 business days.

  • Date of service When your appointment took place
  • Provider info Credentials and NPI number
  • Diagnosis code ICD-10 — what we're treating
  • Procedure code CPT — what service was performed
  • Amount paid What you paid out of pocket

You submit this to your FSA/HSA administrator and they reimburse you directly. Most reimbursements are straightforward and processed within a few days.

Good to know

A few things to keep in mind

FSA expiration

FSA funds typically expire at year-end, or March 15 of the following year if your plan has a grace period. Don't let them go to waste.

HSA rolls over

HSA funds carry over indefinitely from year to year — no deadline pressure, but there's no reason to delay your care either.

Reimbursement

A superbill is not a guarantee of reimbursement — your plan's coverage determines that. But it gives you everything you need to submit a claim.

Questions?

Reach out before your appointment if you'd like to talk through your options. We're happy to help figure it out together.

Ready to use your benefits?

Book an appointment or reach out — we'll take it from there.

© 2025 Chrystal Clinic · Integrative Acupuncture, Healing & Wellness · Sycamore, IL