HSA, FSA and Chirorpractic Coverage

[Guest nat1961]

Can an HSA compatible medical plan member who has an HSA account use their FSA funds to get reimbursed for chiropractic services or do they have to use funds in their HSA for these types of services. In this case the medical plan does not cover chiropractic services at all. Seems like as long as they aren't using HSA funds to pay for chiro and then submitting receipts for reimbursements from their FSA they should be o.k. b/c chiro is an FSA qualified medical expense. If the medical plan covered chiro I could see why it wouldn't work either b/c employees would be getting credit towards their deductible for the chiropractic care they receive.

[SLuskin]

Can an HSA compatible medical plan member who has an HSA account use their FSA funds to get reimbursed for chiropractic services or do they have to use funds in their HSA for these types of services. In this case the medical plan does not cover chiropractic services at all. Seems like as long as they aren't using HSA funds to pay for chiro and then submitting receipts for reimbursements from their FSA they should be o.k. b/c chiro is an FSA qualified medical expense. If the medical plan covered chiro I could see why it wouldn't work either b/c employees would be getting credit towards their deductible for the chiropractic care they receive.

Sorry, the rules are not logical. You can only use the FSA for dental, vision, preventive and post deductible expenses if you have an HSA. I understand that the chiropractic visits are not covered under the medical plan, but until the person has met the statutory (not policy) deductible, the FSA cannot be used for chiropractor visits. In addition, no visit with a date of service prior to the date the deductible on the underlying HDHP was met can be considered under the FSA.