Telehealth and Your HSA/FSA: What's Eligible at Tessan
- Telehealth visits are generally FSA-eligible.
- They’re also HSA-eligible, though for HSA-qualified plans starting January 1, 2022 or later, the visit applies to your deductible like other medical care.
- You can typically pay for a Tessan visit with an HSA or FSA card, whichever pricing option you choose.
- Always confirm your specific plan’s rules before your visit. HSA/FSA administration varies by employer and plan year.
The short answer
Yes. A Tessan consultation is generally an eligible expense for both a Flexible Spending Account (FSA) and a Health Savings Account (HSA), though the rules differ slightly between the two.
How FSA reimbursement works
Telehealth visits qualify for reimbursement through standard FSAs, Health Reimbursement Arrangements (HRAs), and Limited Purpose FSAs (dental, vision, and preventive only). They do not qualify under Dependent Care FSAs.
In practice, you can typically use your FSA debit card directly at a Tessan station, or pay another way and submit the receipt for reimbursement.
How HSA reimbursement works
- For HSA-qualified health plans that began before January 1, 2022, telehealth could be covered at no cost without affecting HSA eligibility, under a temporary IRS provision.
- For plans starting January 1, 2022 or later, telehealth visits are subject to your plan’s deductible.
Sources: IRS Publication 969; FSA Store.
What you need to keep for records
For both HSA and FSA reimbursement, keep your Tessan visit receipt (date, amount, provider name), a brief description of the service, and proof of payment if requesting reimbursement.
Account type comparison
| Account type | Eligible for Tessan visits? | What you need |
|---|---|---|
| HSA | Yes, subject to your deductible on plans starting 2022 or later | Itemized receipt; confirm your plan’s deductible treatment |
| FSA (standard, HRA) | Yes | Itemized receipt; may require a reimbursement claim |
| Limited Purpose FSA | Only if the visit relates to dental, vision, or preventive care | Itemized receipt showing the eligible service type |
| Dependent Care FSA | No | Not applicable, this account doesn’t cover medical visits |
A simple example
Maria books a same-day Tessan visit for a sinus infection and pays $99 self-pay using her HSA debit card. Because her HSA-qualified plan started in 2023, the $99 also counts toward her annual deductible. Illustrative scenario, not a real patient case.
Important: not tax advice
This content is for general information only and is not tax or financial advice. HSA and FSA rules can vary by employer, plan year, and plan design. Confirm your specific eligibility with your plan administrator or a tax professional.