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Think you would be fine to just purchase then reimburse yourself using HSA funds or just use your HSA card. Most knee braces are medical grade and have a reserved JCODE for medical reimbursement.
I had an HSA and only used it for things like my prescription meds, Dr co-pays, out of pocket at dentist office 2x year, eye Dr visits and procedures like my cataract surgery not covered by my regular health insurance and unexpected medical expenses it was actually created for. The best part was the tax deduction when I made the full contribution every year. Anything like knee braces or hobby items I paid for with other funds, but that's just me.
Cool story bro
“Knee wraps and support” are on my list of approved items.
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how did you do it.
https://podactive.com/compliance/
Do you have a HSA credit card? If so just try charging the knee braces to it. FYI - Some insurance companies cover knee braces or a percentage of them. I have a pair of Donjoy's I use for moto, snowboarding and some DH MTB racing.
You can basically buy anything with an hsa card as it is a credit card, at least the avidia bank one I had was. My old coworker “accidentally” used it and bought a pack of cigarettes with it. But yes, if they are medical or hsa compliant you can. Doesn’t even need to be for you as long as medical.
some of you guys seem confused or mis-informed on exactly what an HSA is (vs. MSA, Archer, FSA, HRA). There are very strict rules to follow on HSA and the type of plan you have to have (HDHP), using an approved Trustee for your plan, who is eligible to be covered on your plan (basically you and designated family members only). Your trustee is obligated to track who uses the account and flag any charges they believe might be taxable instead of non-taxable and sends a copy to IRS and the account owner annually. Any charge that is found non-compliant with rules becomes taxable as regular income on your 1040 AND gets a 20% penalty too. Also raises a Red flag for audits too.
Here's the actual IRS guidance on these accounts...
Publication 969 (2025), Health Savings Accounts and Other Tax-Favored Health Plans | Internal Revenue Service
You can use your HSA for any qualified medical expense (QME). Just keep receipts so you can prove your expenses met the requirements. It's not hard.
Used mine for them and the insurance too.
What's fun about HSA is it covers a bunch of things which includes prescriptions, I could have a doctor prescribe these for me. You can use your HSA card for non medical expenses it will just not be tax free. not a big deal. I was just wondering if there was a better way of buying the knee braces for myself than just getting them off motosport.com. Given that I am in therapy for my knee currently it wouldn't be hard to justify knee braces.
The way i have mine setup to get paid , i have to submit a receipt with part # and description . I have gotten Mobuis Knee and wrist braces covered.
If your already in therapy for your knee bring the CTI custom brochure and ask them to help you get a scrip for them.
I had my doc write the script and insurance paid all but $280 which i used HSA money on.
I had to do a little legwork as my doc wasn't familiar with CTI's so i had to connect the regional rep with the doc so he could use the right codes.
Congratulations! You missed the entire point of having an HSA. The advantage is not having an account where you can choose to make purchases "tax free" if you want - it is TAX ADVANTAGED- meaning whatever $ you contribute to it each year up to the annual maximum is deducted right off the top of your Federal Income tax so it lowers what you owe to IRS by that amount. If it is no big deal to you being able to use it like a regular credit/debit card just to avoid a little SALES Tax on some purchases sometimes- what's the point in going through all the extra work to make it HSA qualified for things like your braces you would buy out of pocket anyways if you didn't have the HSA?
you also missed my point entirely. Knee braces/support and wraps are QME according to the IRS. I wondered what the best way people got braces like if they had someone prescribe them or if they just bought them using their HSA card. And if they just bought them did they go through any specific website.
no I didn't miss it, just questioning why that route for buying moto gear is so appealing to you. It's definitely not a traditional use for a medical savings account and looks to be some pretzel logic involved trying to bend the definition of an allowable expense that has potential to bite you in the ass later when it's tax time. Why not just use your normal $ flow to buy them and save the HSA for unexpected expenses like taking a kid to the emergency room middle of the night or an expensive new medication prescribed or even an ambo ride to ER from a riding injury, etc. Just looks sketch from the outside looking in.
Pit Row
Over the years, I've seen on this site many times where medical insurance covered both wrist and knee braces. If some insurance covers them, they're medical expenses, and can be paid for the HSA/FSA and with health insurance. I'm not sure about buying any brand. It may need to be those that are considered medical grade. In my opinion, all medical/health expenses should be income tax free. Since not all are, using an HSA for anything that is considered a medical expense is good financial planning.
Things like Glucosamine/Chondroitin supplements, bandaging are covered.
There's no reason to pay for knee or wrist braces after tax, when you can buy them before tax.
100% agree you've seen those comments here. So have I, but I also see confusion and misunderstanding common. #1 you can't lump all the different types of medical savings plans under a generic heading of HSA or "medical insurance" and think they all have the same rules, requirements and benefits interchangeably. HSA is NOT the same as MSA, Archer, FSA, HRA. I was covered on my father's HMO plan while a minor and living at home, then got my own medical insurance through my employers for more than 40 years. I never had a problem getting orthopedic braces, therapy or surgeries 100% paid by the plans and only required a referral from my Primary Care Dr.
When I retired early I had only Obamacare as an option and continued with HMO plans- but at much higher premiums than before. The process of getting surgery or devices also changed and required pre-approvals and co-pays from me. No more 100% coverage paid by plans. Typically, dental and vision were not included, and you had to buy outside coverage if you wanted those. That's where the HSA comes in- prepaid by me plan that I could use each year for the dental, eyes and some co-pays towards surgeries and braces, etc. if I wanted. It wasn't a matter of "pre-tax" or "after tax" dollars since the entire amount I contributed each year came directly off our Federal INCOME tax owed each year. It was a very strictly regulated account that had to be controlled by an approved Trustee and had to be designated as HDHP in the marketplace when signing up for the plan. There were limits on what I could use it for. The basic rule was basically if it was not specifically mentioned in the terms and benefits of your plan it probably wasn't allowable. Once I turned 65 and had to file for Medicare, I could no longer participate in an HSA and spent down any account balance using the same rules as before.
Not ALL health insurance (medical plans) are exactly like this, but that's my personal experience with the true HSA specifically. YMMV
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