How to Use Your HSA or FSA for Regenerative Treatments
Can You Use HSA for PRP? Is Stem Cell Therapy Covered by FSA? Let’s Break It Down.
Regenerative medicine is transforming healthcare — offering non-surgical, natural treatments for joint pain, hair loss, sexual wellness, and more. But one of the most common questions we get at NexGenEsis Healthcare is:
“Can I use my HSA or FSA to pay for PRP or stem cell therapy?”
The short answer? In many cases, YES.
Let’s walk through what you need to know.
What’s the Difference Between HSA and FSA?
HSA (Health Savings Account):
Available to those with high-deductible health plans (HDHPs). Funds roll over year to year and can be invested.
FSA (Flexible Spending Account):
Funded through your employer. Use it or lose it — the balance often expires at the end of the year unless your plan offers a grace period.
Both accounts let you use pre-tax dollars to pay for qualified medical expenses — including many regenerative medicine procedures.
Are Regenerative Treatments Like PRP or Stem Cells HSA/FSA Eligible?
✅ Yes — in many cases, PRP and stem cell therapies are eligible, especially when:
They are used to treat a medical condition (e.g., arthritis, tendonitis, neuropathy, chronic pain)
You receive a diagnosis and treatment recommendation from a licensed provider
Your provider can give you a Letter of Medical Necessity (LMN), if requested by your HSA/FSA administrator
❌ Cosmetic-only treatments (like PRP for under-eye circles or purely aesthetic facials) may not qualify unless medically justified.
What Regenerative Treatments May Be Eligible?
Pro Tip: Always check with your plan provider and ask if a Letter of Medical Necessity is required.
How to Use Your HSA or FSA at NexGenEsis Healthcare
Book a Consultation – We’ll evaluate your condition and determine if PRP, stem cells, or another regenerative treatment is right for you.
Get a Diagnosis – Our providers document your condition and recommended treatment.
Request an LMN (if needed) – We can help you provide documentation to your HSA/FSA administrator.
Use Your Card at Checkout – We accept most HSA/FSA debit cards directly in-clinic.
Why It Matters
Using your HSA or FSA is a great way to:
Save money on your regenerative treatment
Avoid paying out-of-pocket taxes
Make healing more affordable and accessible
And if your FSA expires at the end of the year — now is the time to schedule your appointment and use those funds before you lose them.
Ready to Use Your HSA or FSA for PRP or Stem Cells in Hawaii?
At NexGenEsis Healthcare, we help patients across Honolulu get relief from pain and inflammation using natural, non-surgical regenerative treatments — and we’ll walk you through the process of using your benefits.
📞 Call (808) 347-6154 to schedule your consultation
📍 Oahu | Maui | Kona | Hilo
