Whether you’re trying to spend the remains of your flexible spending account (FSA) before the end of the year or are looking for a financially-savvy way to fund your wellness aspirations, you’ll be happy to know that you can purchase a wide selection of light therapy devices with your FSA and HSA benefits.
Light therapy devices designed for medical conditions and pain management are both eligible for FSA and HSA benefits. While most aren’t too surprised to learn that they can purchase pain relief or oral care products with their FSA or HSA benefits, products that treat acne tend to be a pleasant surprise for most. Here, we explain which light therapy products are FSA and HSA eligible and how you can purchase those products with those saving account funds.
How Does Spending With Your FSA or HSA Save You Money?
You may be wondering, how does buying a light therapy device with my FSA or HSA funds benefit me? Since all of your contributions to your FSA and HSA come straight from your paycheck and are pre-taxed, you are essentially saving up to 30% on your light therapy device purchase by utilizing these pre-taxed funds. Depending on the light therapy device you’ve been eyeing, some can certainly be a costly investment. Using your FSA or HSA funds can be a good way to save and make that expense manageable.
What’s the Difference Between FSA and HSA?
The biggest difference between an FSA and HSA is the ability for contributions to roll over into the next year. FSAs are employer-owned with account balances that do not roll over year to year. While some employers may allow a certain amount of funds to roll over or provide a grace period, most of the time your FSA funds are “use it or lose it”. So, to maximize the benefits of your FSA, make sure to utilize all those pre-taxed dollars before they expire. HSAs, on the other hand, are controlled by the account holder and allow contributions to roll over every year.
If you don’t have an FSA or HSA account yet, you may want to explore opening an account during open enrollment period. FSA accounts can be opened even if you don’t have a health insurance plan, or can be opened alongside your insurance coverage. FSA’s have an annual contribution limit of $2,750 (recently raised from $2,700), and declared contribution amounts are made available to account holders in full at the first of each year.
To open an HSA during enrollment period, it is required that the account holder have a high-deductible health plan, not be eligible for Medicare, and cannot be claimed as a dependent on another person’s tax return. The annual contribution limits for HSAs have recently been raised to $3,600 per individual or $7,200 per household.
FSA and HSA Eligible Blue Light Therapy Devices for Acne Treatment
Skincare products intended for purely cosmetic purposes are not eligible for FSA or HSA benefits. Although acne is often perceived as a cosmetic issue, it is actually a dermatological condition, according to the FDA. Blue light therapy can help treat and prevent acne by destroying bacteria in and around oil-generating sebaceous glands, and eventually aid in making the sebaceous glands produce less oil overall.
The dpl® Nüve for Professional Acne Treatment and Soniqué™ Acne LED Sonic Cleansing System are popular at-home light therapy treatments that tout a large surface area so you can treat acne faster. There is also the slim Glō Portable Acne Light Therapy Device, which works just as well and is a great option for those who travel frequently with limited space in their carry-ons.
If you simply want to test the waters, only need spot treatments every so often, or want to have an extra device in your purse or car for unexpected flare-ups, there are more spot treatment devices covered by FSA and HSA benefits, like the reVive Light Therapy® Poof, reVive Light Therapy® Spot, and reVive Light Therapy® Essentials.
On the other hand, if you want your acne treatment to cover larger areas at a time, the dpl® IIa comes equipped with two 5” x 7” panels that can treat the entire face, back and décolleté areas in just one three-minute session — and, it’s eligible for FSA and HSA benefits.
Pain Relief Light Therapy Products You Can Buy With Your FSA or HSA Funds
In addition to skincare solutions, light therapy can also be used to manage pain. Infrared light therapy devices emit light energy that penetrates through multiple layers of skin to reach muscle tissue and nerves. Cells in the muscle and nerves absorb energy from the infrared light, becoming more active, and as a result, blood flow increases and cells are supported to regenerate faster.
Infrared light therapy is commonly used as a treatment for relief from neck aches and stiffness, shoulder soreness, sore feet, and overall achy, stiff joints and sore muscles. Then, there are also special use-cases — those with an active lifestyle often see accelerated muscle recovery by using light therapy before and after workouts. Infrared light therapy has also been shown to help with pain relief for arthritis, chronic back pain, and neuropathy pain management.
Depending on your symptoms, there are several different types of light therapy devices available for pain relief. If you want to use infrared light therapy to treat multiple areas of the body, the dpl® Flex Pad for Pain Relief and dpl® Nüve for Professional Pain Relief are FSA and HSA eligible products that you can use to provide soothing relief to tired muscles and stiff, achy joints. The portable, versatile design of these products make it easy to treat any area of the body and take it with you anywhere you go.
On the other hand, if you’re experiencing pain in a specific area, then you may want to find an infrared light therapy device that is designed specifically for that part of the body.
- For back pain, the dpl® Compression Wrap works great.
- For neck and shoulder pain, the dpl® Neck Pillow can provide relief.
- For wrist pain, like carpal tunnel, arthritis or strain, there’s the dpl® Wrist Wrap.
- For hand pain, the dpl® Flex Mitt is a recommended solution.
- For foot pain, slip on the dpl® Slipper set.
- For joint pain, the versatile dpl® Joint Wrap can provide relief for achy shoulders, knees, elbows and ankle joints.
- For migraines, sinus pressure, temporal muscle tension, or headaches, the dpl® Eye Mask can help soothe the pain.
How to Purchase Light Therapy Devices With Your FSA or HSA Benefits
reVive Light Therapy®️ and dpl®️ sell at-home light therapy devices to treat some of the most stubborn pains and skin conditions, and are the only LED manufacturers on the market today approved to offer FSA and HSA eligible light therapy devices.
If you’d like to purchase a light therapy device with your FSA or HSA dollars, it’s simple.
- First, check our full list of FSA and HSA eligible light therapy products available.
- Make your purchase as you normally would, while making sure to save and print receipts.
- Submit receipt of purchase to your FSA or HSA administrator to get reimbursed.
If you have any questions about how to purchase light therapy devices from reVive Light Therapy® with your FSA or HSA funds, please contact customer support directly at 800.337.9565 or firstname.lastname@example.org for assistance.