FSA and HSA
Use your FSA before your plan's deadline.
A health FSA (flexible spending account) is money set aside from your paycheck for medical care. Many plans end on December 31, and money you do not use by your plan's deadline can be lost. If your plan carries money over, the most it can carry into the next year is $680.
What often qualifies
Your plan decides what it pays for, so check with your plan first. In general, these are medical care under IRS rules:
- Visits with a provider
- Lab tests and blood panels, including the Ultra Panel (you do not have to be sick)
- Medicine a provider prescribes for you
What usually does not
- Memberships
- General wellness sessions such as cryotherapy, red light, the sauna and IV hydration
- Vitamins and supplements, unless prescribed for a diagnosed condition
Some services, such as hyperbaric oxygen or weight-loss care, may qualify only when they treat a condition a provider has diagnosed, and only if your plan agrees.
What it costs
Your first step is a free 30-minute consult. After that, a provider visit is $150, and the Ultra Panel (100+ biomarkers, plus a 75-minute visit with a provider to go over your results) is $795. Session prices are on our pricing page. We do not bill insurance, so the price you see is the full price.
You have the right to a written Good Faith Estimate of what your care will cost before you book.
Three steps
- Check your plan. Look up your balance and your deadline. Some plans give extra time into next year, and some do not.
- Book before the deadline. Your visit or lab draw has to happen by your plan's deadline. Paying ahead for care next year does not count. For the Ultra Panel, book your draw by about December 15 so your results review also happens before your deadline.
- Pay and keep your receipt. Pay with your FSA or HSA card, or pay another way and send your receipt to your plan. We give you an itemized receipt with your name, the date, the service and the amount.
Common questions
Do you take FSA and HSA cards?
Yes. FSA and HSA cards work on qualifying services at Castle Rock Regenerative Healthcare. Your plan decides what qualifies, so check with your plan administrator before you pay.
Is the Ultra Panel FSA eligible?
Lab tests are generally medical care under IRS rules, even when you are not sick, but your plan decides. Check with your plan before you book.
Can you write a letter of medical necessity for my plan?
Sometimes. If a provider sees you and finds a real medical reason for a treatment, they can write one. We do not write letters just so a service is covered, and your plan still makes the call.
Can I buy a package now and use it next year?
Your FSA pays for care you receive during your plan year, not care paid for in advance. To use this year's money, the visit or lab draw has to happen by your plan's deadline.
I have an HSA. Do I need to hurry?
No. HSA money does not expire. You can use it for care that qualifies at any time.
General information, not tax or medical advice. Your plan decides what it will pay for, and your provider decides whether a test or treatment is right for you.