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Can you pay for adult day care with an HSA?

Are you wondering if you can pay for adult day care with an HSA? You may also be wondering if this item is eligible or ineligible for use with your HSA funds, or if it qualifies for reimbursement.

No, unfortunately you can't use your HSA to pay for adult day care. In fact, if you do pay for adult day care with you HSA, you may be subject to a penalty.

More details about adult day care

Adult day care is a service where a caregiver, usually a spouse or family member, is relieved of his or her responsibilities for the day and the care recipient can receive the same level of care in a safe and friendly environment.

Adult day care providers often offer assistance with eating, taking medicines, and going to the bathroom; educational programs and social activities; exercise programs; physical therapy; and health monitoring.

Disclaimer

Please note that it's always best to check with your HSA administrator or health insurance provider to confirm if you can pay for adult day care with your HSA card before making any purchases.

A good rule of thumb is that if your doctor diagnosed you with a specific medical condition or ordered a treatment, product, or prescription specifically for you, your HSA should cover it. Sometimes your HSA will even cover items that it normally wouldn't if you have a letter of medical necessity signed by your doctor. Again, you should check with your HSA administrator before any purchase if you have any questions about an item being eligible or ineligible.