clinical careStatute: IRS Publication 502

Is Chiropractic Adjustments & Spinal Manipulation FSA Eligible?

Spinal adjustments, subluxation therapy, and clinical musculoskeletal manipulation performed by a licensed Doctor of Chiropractic (DC).

Quick Answer: Yes, It Is Covered

Yes! Chiropractic Adjustments & Spinal Manipulation is 100% FSA and HSA eligible over-the-counter with no prescription or medical letter required.

Eligibility Criteria Matrix

Healthcare FSA (Flexible Spending)Eligible
HSA (Health Savings Account)Eligible
Doctor Prescription RequiredNo (OTC)
Letter of Medical Necessity (LMN)Not Required

Where to Buy & Typical Cost

Typical retail price range: $50 – $140

$50 – $140

Specialist / Provider Direct

Pay direct to clinic and file reimbursement

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Frequently Asked Questions: Chiropractic Adjustments & Spinal Manipulation

Is Chiropractic Adjustments & Spinal Manipulation covered by my FSA?

Yes, Chiropractic Adjustments & Spinal Manipulation is an eligible healthcare expense under IRS Code Section 213(d). You can use your FSA card at point-of-sale or submit itemized receipts for direct reimbursement.

Do I need a prescription to buy Chiropractic Adjustments & Spinal Manipulation?

No prescription is needed. Over-the-counter health supplies and medications have been fully eligible without a doctor's prescription since the CARES Act of 2020.

What documentation do I need to keep for my Chiropractic Adjustments & Spinal Manipulation claim?

Save an itemized receipt or receipt email showing the merchant name, date of purchase, product description ("Chiropractic Adjustments & Spinal Manipulation"), and amount paid. Credit card statements alone do not satisfy IRS audit requirements.

Where is the best place to purchase Chiropractic Adjustments & Spinal Manipulation with an FSA card?

You can purchase directly at FSA-certified online retailers such as the FSA Store, or on Amazon using the FSA/HSA filter. Both accept benefits cards directly during checkout.