Use Your Health Savings to Pay for Mental Health Care
Your Health Savings Account (HSA), Flexible Spending Account (FSA), or Family Health Savings Account (FHSA) can be used to pay for therapy services at FamilyTime Centers. These tax-advantaged accounts make mental health care more affordable while maximizing your healthcare dollars.
Health Savings Account (HSA) Use your HSA debit card or reimburse yourself from your HSA for therapy expenses. HSA funds never expire and can be carried over year to year.
Flexible Spending Account (FSA) Your FSA funds can pay for therapy sessions. Remember to use FSA funds before your plan year ends, as most FSA money doesn't carry over.
Family Health Savings Account (FHSA) FHSA funds can cover therapy for any family member included in your account.
Direct Payment
Bring your HSA/FSA/FHSA debit card to your appointment
We'll process payment directly from your account
You'll receive an itemized receipt for your records
Reimbursement Method
Pay with your regular payment method
We'll provide an IRS-compliant itemized receipt
Submit the receipt to your HSA/FSA administrator for reimbursement
Our receipts meet all IRS requirements for health savings account reimbursement:
Provider name and credentials
Service date and duration
Service description (individual/couples/family therapy)
Amount paid
Relevant CPT codes (90837, 90847, etc.)
Individual Therapy
$150 per 53-minute session
Perfect for addressing personal challenges including anxiety, depression, trauma, life transitions, grief, self-esteem issues, and personal growth. Our individual sessions provide a safe, confidential space to explore your thoughts, feelings, and behavioral patterns with a licensed therapist.
Couples Therapy
$200 per 53-minute session
Designed for couples at any stage of their relationship who want to improve communication, resolve conflicts, rebuild trust, navigate major life changes, or strengthen their emotional connection. Whether you're dating, engaged, married, or considering separation, couples therapy can help.
Family Therapy
$200 per 53-minute session
Ideal for families dealing with communication breakdowns, behavioral issues, major transitions (divorce, remarriage, relocation), grief and loss, or multi-generational conflicts. Family sessions can include parents and children, extended family members, or any combination that serves your family's healing process.
Your HSA/FSA Setup Process
How to Use Your Tax-Free Benefits for Mental Health Care in 3 Simple Steps
Check Your Account Balance
Verify your available HSA/FSA/FHSA balance before scheduling to ensure adequate funds.
Understand Your Plan Rules
Some accounts have specific requirements or restrictions. Contact your account administrator if you have questions.
Schedule Your Session
Let us know you plan to use your health savings account when scheduling, and bring your card to your appointment.
Tax Benefits of Using Health Savings Accounts
When you use HSA, FSA, or FHSA funds for therapy:
Pre-tax dollars reduce your overall therapy costs
No income tax on funds used for qualified medical expenses
Potential savings of 20-35% depending on your tax bracket
Ready to get started? Contact us today to schedule your first session and learn more about maximizing your out-of-network benefits.
Common Questions
Questions about using your HSA, FSA, or FHSA for therapy? Contact FamilyTime Centers today – we're here to help you navigate your healthcare benefits.