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    Year‑End FSA Reminder

    Year‑End FSA Reminder

    Why an Early December FSA Reminder Matters for Clinics

    Many Flexible Spending Account (FSA) plans require eligible purchases to be made before the plan year or grace‑period deadline. For patients who have unused FSA dollars, year‑end reminders offer a timely opportunity to buy useful support products recommended by clinicians, items that can meaningfully support sleep, positioning, and recovery. Clinics that communicate early in December help patients avoid forfeiture and streamline documentation for reimbursement.

    What Clinics and Patients Should Know

    FSAs are employer‑sponsored accounts that reimburse eligible medical expenses; plan rules (deadlines, grace periods, substantiation requirements) vary by employer and plan administrator.
    Items are generally eligible if primarily for medical care; some FSAs accept sleep/supportive devices when prescribed or documented as medically necessary. Patients should verify coverage and deadlines with their FSA plan administrator before purchasing.

    Relevant Products Often Considered by FSAs

    • Cervical or lumbar supports (cervical pillows, custom supports) used to manage neck/back pain.
    • Positioning aids and wedges prescribed to assist with posture, transfers, or sleep-related discomfort.
    • Certain ergonomic accessories used as part of a documented treatment plan.

    Note: Eligibility depends on plan rules and required documentation; patients should confirm before submitting claims.





    Documentation & Medical-Necessity Notes 

    • To reduce patient confusion and increase successful reimbursement, provide an itemized invoice that includes patient name, date, product name, price, and purpose.
    • When clinically appropriate, supply a letter “letter of medical necessity” or prescription-style note that states the medical reason the product is recommended.
    • Direct patients to verify eligibility and required paperwork with their plan administrator.

    Patient Checklist

    • Check your FSA balance and plan deadline with your plan administrator.
    • If your provider recommended a supportive product (pillow, wedge, lumbar roll), ask the clinic for an itemized invoice and an optional medical-necessity statement.
    • Save receipts and submit claims per your FSA instructions.
    • If unsure whether a product is eligible, contact your FSA plan administrator before purchase.

    Timing & Practical Considerations

    • Act early in December: many plans enforce year‑end rules strictly. 
    • Plan variability: some FSAs have grace periods or carryover options; encourage patients to check plan specifics rather than assume coverage.

    Help patients use remaining FSA funds for clinically recommended supports.

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    Resources

    IRS: Flexible Spending Arrangements (general guidance): https://www.irs.gov
    FSA Store: deadline & eligibility guidance: https://fsastore.com/

    References 

    Internal Revenue Service. (2024). Flexible Spending Arrangements (FSA). https://www.irs.gov
    FSA Store. (2024). Just how strict is the 12/31 FSA deadline? https://fsastore.com/articles/...
    Daryushi, M., Sadeghi, A., Taghavi, S. M., & Davoudi‑Kiakalayeh, A. (2025). The influence of pillow shape and content on neck muscular activity and perceived comfort according to sleep position. The Open Public Health Journal, 18.
    Gleberzon, B., Goldberg, B., & Todres‑Masarsky, M. (2023). The influence of chiropractic adjustments on immune function: A literature review. Journal of Chiropractic Medicine, 22(4), 268–274.