All eligible expenses
Mental health
Is Therapy & Counseling FSA/HSA eligible?
✅Eligible — no LMN required
Mental health therapy and counseling (LCSW, psychologist, psychiatrist) are categorically FSA/HSA-eligible.
Typical cost:$80–$300 per session
The full picture
Mental health services are categorically eligible: licensed therapy, counseling (LCSW, LMFT, LPC), psychology services, psychiatric care. Online platforms like Talkspace and BetterHelp also qualify when the provider is licensed. Telehealth is increasingly common.
Final approval is up to your administrator. Eligibility on this page is based on IRS Publication 502 and common administrator practice. Reimbursement is not guaranteed — your specific FSA/HSA administrator decides whether to approve any individual claim. DoctorNoted prepares documentation; the approval decision is theirs.