care tied to a documented condition · pre-tax when clinically appropriate
When care is medically necessary, it should be pre-tax.
therapy
$1,800
HSA-eligible with a mental-health diagnosis on file. A 30-min session at $200 → $140 effective at the 30% bracket. Stack 30 sessions a year and that's $1,800 back in your pocket.
Run your bracket ↓
ergonomic equipment
$360
Standing desk + ergonomic chair: HSA-eligible with documented back or repetitive-strain. $1,200 of equipment → $840 effective. Eligibility follows the documented condition and the physician's review — not the receipt.
How it gets documented ↓
wellness stack
30%
Continuous glucose monitors and other monitoring devices can qualify when a physician documents medical necessity for a specific diagnosed condition. General fitness and wellness purchases usually do not. The review decides — and many requests do not qualify.
The standard we hold ↓
Effective savings depend on your federal + state bracket and HSA contribution capacity · Letters issued under IRS §213(d) only where clinical review supports medical necessity · physician-reviewed via altru.care