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.

A young girl smiling at her laptop with her credit card in hand
A young girl smiling at her laptop with her credit card in hand
A young girl smiling at her laptop with her credit card in hand
a person holding a credit card and touching the phone

Accepted Health Savings Accounts

Accepted Health Savings Accounts

Accepted Health Savings Accounts

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.

How to Use Your Health
Savings Account

How to Use Your
Health Savings Account

1

1

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

2

2

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

What Your Receipt Includes

What Your Receipt Includes:

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.)

Session Fees (HSA/FSA Eligible)

Session Fees
(HSA/FSA Eligible)

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

A women holding her phone
A women holding her phone
A women holding her phone

Check Your Account Balance

Verify your available HSA/FSA/FHSA balance before scheduling to ensure adequate funds.

A women holding her phone in shock
A women holding her phone in shock
A women holding her phone in shock

Understand Your Plan Rules

Some accounts have specific requirements or restrictions. Contact your account administrator if you have questions.

A women looking at her laptop in joy
A women looking at her laptop in joy
A women looking at her laptop in joy

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.

person in black long sleeve shirt holding babys feet

Testimonials

100+ Google reviews with an average 4.8★ rating

  • “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Justin M.

    Google SVG Logo

    It’s been a life-changing expierence since I started my therapy with Michelle at this center. All the time I am warmly welcomed by the staff members, but most importantly I see the difference in my life finding all those new ways to heal. Highly recommend!

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Cielo P.

    Google SVG Logo

    I love Family Centers, my individual therapist has been helping me a lot, i love the flexibility they have in case i have an emergency they give me options to either reschedule or have my appointment in a call or videocall.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Ricky M.

    Google SVG Logo

    I have seen many therapist over the years and I have never been so impressed with such emotional intelligence that both inspires and challenges me. Huge thanks to Karen at FamilyTime Centers for connecting me with her. It is an invaluable boost to my quality of life.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Jessa R.

    Google SVG Logo

    Good place to be start the healing! Very nice ladies in the office! So very sweet with every interaction we had! Started therapy over a year ago & have improved so much! It's great to put myself first & I recommend FTC! ✨👍

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Quinton H.

    Google SVG Logo

    My experience with family time centers has been amazing. I was always told that men don’t need therapy, we just need to tough it out lol… I went to the family time center and they welcomed me with open arms.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Chris M

    Google SVG Logo

    Very happy with the therapist I was matched with. He has a background in helping people through trauma, which is exactly what I was looking for. The staff has been very helpful. Highly recommended!

  • “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Cal B.

    Google SVG Logo

    I'm truly grateful for Family Time Centers. I've been working with a fantastic therapist here for around 6 months, during which time I have made some large discoveries about myself, and some great strides in my personal evolution.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Anne B.

    Google SVG Logo

    Even after years of therapy, my specific work with IFS allowed me to go much deeper, healing at another level, all while feeling manageable; recommended for beginner to advanced to get to joy.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Rebecca H.

    Google SVG Logo

    FamilyTime Center has been nothing but friendly and helpful through out my experience. They even give you a call after a few weeks of service to check in and make sure everything is going well. I would recommend then to anyone.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Jessica S.

    Google SVG Logo

    My child sees Kimberly, and she is absolutely great! My child looks forward to each session and opens up to her effortlessly!

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Aileen D.

    Google SVG Logo

    Such a great experience with FamilyTime Center. Definitely recommend, if you are considering this is your sign! Staff was amazing and accommodating throughout my entire time here, they truly care for us all.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Yesenia G.

    Google SVG Logo

    I want to thank FamilyTime Centers for promptly giving me an appointment when I needed it the most. I recommend them they are fast and kind. Thank you for your support

Testimonials

100+ Google reviews with an average 4.8★ rating

  • “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Justin M.

    Google SVG Logo

    It’s been a life-changing expierence since I started my therapy with Michelle at this center. All the time I am warmly welcomed by the staff members, but most importantly I see the difference in my life finding all those new ways to heal. Highly recommend!

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Cielo P.

    Google SVG Logo

    I love Family Centers, my individual therapist has been helping me a lot, i love the flexibility they have in case i have an emergency they give me options to either reschedule or have my appointment in a call or videocall.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Ricky M.

    Google SVG Logo

    I have seen many therapist over the years and I have never been so impressed with such emotional intelligence that both inspires and challenges me. Huge thanks to Karen at FamilyTime Centers for connecting me with her. It is an invaluable boost to my quality of life.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Jessa R.

    Google SVG Logo

    Good place to be start the healing! Very nice ladies in the office! So very sweet with every interaction we had! Started therapy over a year ago & have improved so much! It's great to put myself first & I recommend FTC! ✨👍

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Quinton H.

    Google SVG Logo

    My experience with family time centers has been amazing. I was always told that men don’t need therapy, we just need to tough it out lol… I went to the family time center and they welcomed me with open arms.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Chris M

    Google SVG Logo

    Very happy with the therapist I was matched with. He has a background in helping people through trauma, which is exactly what I was looking for. The staff has been very helpful. Highly recommended!

  • “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Cal B.

    Google SVG Logo

    I'm truly grateful for Family Time Centers. I've been working with a fantastic therapist here for around 6 months, during which time I have made some large discoveries about myself, and some great strides in my personal evolution.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Anne B.

    Google SVG Logo

    Even after years of therapy, my specific work with IFS allowed me to go much deeper, healing at another level, all while feeling manageable; recommended for beginner to advanced to get to joy.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Rebecca H.

    Google SVG Logo

    FamilyTime Center has been nothing but friendly and helpful through out my experience. They even give you a call after a few weeks of service to check in and make sure everything is going well. I would recommend then to anyone.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Jessica S.

    Google SVG Logo

    My child sees Kimberly, and she is absolutely great! My child looks forward to each session and opens up to her effortlessly!

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Aileen D.

    Google SVG Logo

    Such a great experience with FamilyTime Center. Definitely recommend, if you are considering this is your sign! Staff was amazing and accommodating throughout my entire time here, they truly care for us all.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Yesenia G.

    Google SVG Logo

    I want to thank FamilyTime Centers for promptly giving me an appointment when I needed it the most. I recommend them they are fast and kind. Thank you for your support

Testimonials

100+ Google reviews with an average 4.8★ rating

  • “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Justin M.

    Google SVG Logo

    It’s been a life-changing expierence since I started my therapy with Michelle at this center. All the time I am warmly welcomed by the staff members, but most importantly I see the difference in my life finding all those new ways to heal. Highly recommend!

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Cielo P.

    Google SVG Logo

    I love Family Centers, my individual therapist has been helping me a lot, i love the flexibility they have in case i have an emergency they give me options to either reschedule or have my appointment in a call or videocall.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Ricky M.

    Google SVG Logo

    I have seen many therapist over the years and I have never been so impressed with such emotional intelligence that both inspires and challenges me. Huge thanks to Karen at FamilyTime Centers for connecting me with her. It is an invaluable boost to my quality of life.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Jessa R.

    Google SVG Logo

    Good place to be start the healing! Very nice ladies in the office! So very sweet with every interaction we had! Started therapy over a year ago & have improved so much! It's great to put myself first & I recommend FTC! ✨👍

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Quinton H.

    Google SVG Logo

    My experience with family time centers has been amazing. I was always told that men don’t need therapy, we just need to tough it out lol… I went to the family time center and they welcomed me with open arms.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Chris M

    Google SVG Logo

    Very happy with the therapist I was matched with. He has a background in helping people through trauma, which is exactly what I was looking for. The staff has been very helpful. Highly recommended!

  • “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Cal B.

    Google SVG Logo

    I'm truly grateful for Family Time Centers. I've been working with a fantastic therapist here for around 6 months, during which time I have made some large discoveries about myself, and some great strides in my personal evolution.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Anne B.

    Google SVG Logo

    Even after years of therapy, my specific work with IFS allowed me to go much deeper, healing at another level, all while feeling manageable; recommended for beginner to advanced to get to joy.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Rebecca H.

    Google SVG Logo

    FamilyTime Center has been nothing but friendly and helpful through out my experience. They even give you a call after a few weeks of service to check in and make sure everything is going well. I would recommend then to anyone.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Jessica S.

    Google SVG Logo

    My child sees Kimberly, and she is absolutely great! My child looks forward to each session and opens up to her effortlessly!

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Aileen D.

    Google SVG Logo

    Such a great experience with FamilyTime Center. Definitely recommend, if you are considering this is your sign! Staff was amazing and accommodating throughout my entire time here, they truly care for us all.

    “Google review profile image for FamilyTime Center, a trusted provider of family counseling and therapy services.

    Yesenia G.

    Google SVG Logo

    I want to thank FamilyTime Centers for promptly giving me an appointment when I needed it the most. I recommend them they are fast and kind. Thank you for your support

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.

Do therapy sessions qualify for HSA/FSA?

Do therapy sessions qualify for HSA/FSA?

Do therapy sessions qualify for HSA/FSA?

What's the difference between HSA vs. FSA?

What's the difference between HSA vs. FSA?

What's the difference between HSA vs. FSA?

Can I pay directly with my HSA/FSA card?

Can I pay directly with my HSA/FSA card?

Can I pay directly with my HSA/FSA card?

What documentation will I receive?

What documentation will I receive?

What documentation will I receive?

How much can I save using HSA/FSA?

How much can I save using HSA/FSA?

How much can I save using HSA/FSA?

Can I use FHSA for family members?

Can I use FHSA for family members?

Can I use FHSA for family members?

Do I need pre-approval for HSA/FSA?

Do I need pre-approval for HSA/FSA?

Do I need pre-approval for HSA/FSA?

Can I combine HSA/FSA with insurance?

Can I combine HSA/FSA with insurance?

Can I combine HSA/FSA with insurance?

We’re here when you need us

If you or a loved one is in emotional distress or a suicidal crisis, please call or text 988.

Emergency Line

The 988 Suicide and Crisis Lifeline provides 24/7, confidential support with trained crisis counselors.

Join FamilyTime's newsletter

Receive expert advice, coping strategies, and mental wellness resources from our licensed California therapists - delivered weekly.

By submitting your email, you are consenting to receive emails from FamilyTime Center and accepting the terms.

California Board of Psychology
Board of Behavioral Sciences badge

© 2025 Copyright FamilyTime Center. All rights reserved.

We’re here when you need us

If you or a loved one is in emotional distress or a suicidal crisis, please call or text 988.

Emergency Line

The 988 Suicide and Crisis Lifeline provides 24/7, confidential support with trained crisis counselors.

Join FamilyTime's newsletter

Receive expert advice, coping strategies, and mental wellness resources from our licensed California therapists - delivered weekly.

By submitting your email, you are consenting to receive emails from FamilyTime Center and accepting the terms.

Find care

By conditon

Types of care

Our approaches

By region

Legal pages

California Board of Psychology
Board of Behavioral Sciences badge

© 2025 Copyright FamilyTime Center. All rights reserved.

We’re here when you need us

If you or a loved one is in emotional distress or a suicidal crisis, please call or text 988.

Emergency Line

The 988 Suicide and Crisis Lifeline provides 24/7, confidential support with trained crisis counselors.

Join FamilyTime's newsletter

Receive expert advice, coping strategies, and mental wellness resources from our licensed California therapists - delivered weekly.

By submitting your email, you are consenting to receive emails from FamilyTime Center and accepting the terms.

Find care

By conditon

Types of care

Our approaches

By region

Legal pages

California Board of Psychology
Board of Behavioral Sciences badge

© 2025 Copyright FamilyTime Center. All rights reserved.