Health Savings Account (HSA) or Flexible Spending Account (FSA):

• Review Your Plan: Log into your HSA or FSA portal or review your benefits documents to check if sound therapy is listed as a qualified medical expense. These accounts generally cover therapies deemed medically necessary.

• Medical Necessity: For sound therapy to be eligible, it must be prescribed or recommended by a licensed healthcare provider (doctor, therapist, etc.) for a specific medical condition, such as stress, anxiety, or sleep disorders.

Documentation: You will need a prescription or a letter from your healthcare provider confirming that sound therapy is medically necessary for your condition.

Next Steps:

Contact Your HSA/FSA Provider: Call or email your administrator to ask if sound therapy is covered and if you need additional documentation (e.g., a prescription or letter from your healthcare provider).

While HSAs and FSAs are federally regulated, your health insurance plan may have different coverage rules. In Illinois, health insurance coverage for sound therapy is generally limited but may be available under certain circumstances (e.g., if sound therapy is part of a broader treatment plan for mental health or pain management).

• Call Your Insurance Provider: Ask if sound therapy is covered under your policy, particularly if it’s part of a treatment plan for a diagnosed medical condition (such as anxiety, chronic pain, or sleep disorders).

• Mental Health & Alternative Therapy Coverage: Some insurance plans may cover sound therapy if it's categorized as a mental health or alternative treatment, especially in more progressive states, though this may be less common in Illinois.

Next Steps:

• Request Written Confirmation: If sound therapy is covered, ask for details on what documentation is required for reimbursement (e.g., a doctor’s note, diagnosis, or treatment plan).

• Healthcare Provider's Support: If your healthcare provider agrees that sound therapy is appropriate for your condition, ask them for:

  • A prescription for sound therapy or

  • A letter of medical necessity outlining why the therapy is needed.

Invoice or Receipt: Keep a record of your sound therapy sessions, including the provider's name, dates of service, and the cost of the therapy.

• HSA/FSA Claims: Submit the prescription, letter from your healthcare provider, and therapy receipts via your HSA or FSA provider’s online portal or app. Be prepared to wait a few weeks for processing.

• Insurance Claims: If your insurance covers sound therapy, submit the same documentation (prescription, receipt) following your insurer’s claims process.

Tip: Keep copies of all submitted documents for future reference.

If your HSA, FSA, or insurance claim is denied:

• Request a Denial Explanation: Ask for specific reasons your claim was rejected.

Provide Additional Documentation: Submit further information, such as additional statements from your healthcare provider, medical records, or clarifications on medical necessity.

Explore Wellness Benefits: Some employers or insurance plans in Illinois may offer wellness programs that could cover sound therapy as part of a broader mental health or wellness plan.