Sure,Take,All,Your,Health,Savi health Be Sure To Take All Your Health Savings Account Write-Offs

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Having a Health Savings Account (HSA)essentially makes all of your qualified medical expenses tax-deductible, soread this article carefully to make sure you aren't over paying yourtaxes. Remember, there is no virtue in paying more taxes than you reallyowe. Qualified Medical Expenses The main purpose of your HSA is toenable you to pay for qualified medical expenses with tax-freedollars. Qualified medical expenses are defined under Section 213 of the IRS Code (See IRS Publication 502: Medical andDental Expenses). Most people remember to pay for doctor visits andprescription drugs from their HSA (or save the receipts and reimbursethemselves later), but there are many medical expenses that people simply payfor, without realizing that because they own an HSA the expense is taxdeductible. These are the most common: Over-the-counter medications. Remember, your medicine does not necessarily have tobe prescribed to be considered a qualified medical expense. Any time youbuy a bottle of aspirin, cough syrup, bandages, or zit medicine for your teenager- save the receipt, so you can reimburse yourself from your HSA. Dental expenses. Dentalfees are typically the most expensive item that people forget to pay for fromtheir HSA. Fromcleanings, to crowns, to dentures, all of your medically necessary dental workis eligible to be paid from your HSA. Eye glasses and contacts. Annual eye exams along with prescription glasses, contact lenses,and other prescription eye glass expenses can be paid from your HSAtax-free. Also, remember that prescription sunglasses are considered to bea qualified medical expense. Physical therapy. Mostindividual and family health insurance plans have very limited coverage forphysical therapy. So you can pay for those expenses out of out of youravailable HSA funds. Medical massage therapy. Yes,you can use funds from your HSA to pay for a massage, as long as your healthcare practitioner recommends it as treatment for a particular health condition. Chiropractor visits. Rememberthat your HSA can be used for medically necessary expenses. If you go toyour chiropractor due to a particular injury or functional problem, it is aqualified expense. The chiropractor's charges would NOT be consideredeligible if you are getting adjustments for general health maintenance. Mental Therapy In some circles, seeing atherapist is reason for embarrassment, whereas in other parts of the countrypeople brag about seeing their therapists. The reality is that mentaltherapy should be neither a symbol of shame nor a status symbol - it is simplyanother mode of treatment that can help people live healthier and happierlives. Psychiatry, psychology, psychoanalysis, and psychotherapy - all of these modes of treatment can be paid for fromyour HSA. Keep in mind that qualified expenses are those that pay fortreatment or prevention of a medical condition. If you are seeing atherapist strictly in order to save your marriage or improve your businessskills, these would not be qualifying expenses. Alternative Medicine More and more people aredisillusioned with the way conventional medicine is practiced. The focusoften seems to be on treating symptoms rather than reaching the rootcause. Many physicians are very quick to prescribe the latest drug, whenless expensive, safer, and often more effective natural remedies may workbetter. However, the people who do rely onalternative medical treatments rarely receive reimbursement from their healthinsurance for these expenses. This is one of the reasons that HSA planshave become so popular among people who do favor natural and/or alternativemedical treatments. Here is just a very small sampling of the types oftreatment that would be an HSA-qualifiedexpense: Acupuncture. Somethink the beneficial results of acupuncture are strictly due to the placeboeffect. My veterinarian wife would tell you differently. Though shemostly practices conventional veterinary medicine, she does do a good bit ofacupuncture on dogs and cats, and gets some amazing results. Homeopathy. Thoughcontroversial, approximately one out of 50 Americans currently useshomeopathy. Whether using the services of a professional, or simply buyinghomeopathic remedies from the natural food store, remember that these expensescan be paid for from your HSA. Traditional Chinese Medicine. Chinese medicine has been practiced for thousands ofyears, and is becoming ever more popular in the United States. Of course,treatment modalities that originated in other countries, such as Ayurveda (fromIndia),would also be considered a qualified expense. Faith healing, shamanism, energymedicine, and other (perhaps) far out stuff. Yep, almost any type oftreatment could be considered an eligible expense. Keep in mind that theprocedure must be related to the treatment or prevention of a specific healthcondition. Services designed to raise your chi, balance your chakras, orstrengthen your aura might be more than the IRSwill allow. Every Dollar Counts Every medical expense you incurredcounts, so don’t forget to save your receipts. If you don’t, it’s likepaying an extra 25% each time. Even some retailers like Target arestarting to mark on your receipts which items are health related. That shouldmake it even easier to get every tax break you deserve.