Can I Use My HSA For Drug Rehab?

What Is an HSA?

A health savings account is a pre-tax savings account that you can use to pay for medical expenses.¹ Using an HSA can help you pay healthcare costs that you might otherwise pay out of pocket, such as deductibles, coinsurance, or copayments.¹

Individuals or employers can contribute to an HSA, which covers qualified medical expenses incurred by a spouse or dependents you claim on your tax return.²  You can earn non-taxable interest on an HSA account.¹

How Can I Qualify for an HSA?

To qualify for an HSA, you must enroll in an HSA-eligible health plan, which is known as a high-deductible health plan (HDHP).³

You must also meet the following requirements to qualify for an HSA:²

• You have no insurance coverage other than what’s allowed.
• You can’t be claimed as a dependent on someone else’s tax return.
• You can’t be enrolled in Medicare Part A or B.
• You must be younger than 65.

You can enroll in an HSA through your employer, bank, or financial institution.¹

What Are the Benefits of Having an HSA?

Having an HSA can help you afford medical expenses that you otherwise might pay out of pocket.

Some other benefits of having an HSA include:³

• Tax-free savings on medical expenses.
• Lower monthly payments on premiums.
• The funds from HSAs roll over, so if you don’t use it in one year, it’s still there if you need to cover a medical expense the following year.
• You can save on your taxes by deducting the amount you contribute to an HSA from the income you pay taxes on.
• HSAs are widely available, meaning there’s a good chance you can enroll in an HSA plan in your area if you qualify
• HSA’s can also be used for retirement, and at age 65, you can withdraw the contributions and use the money for any expense you want to, but it will be taxed if it isn’t for health-related expenses

In addition to these benefits of enrolling in an HSA, it can even help you pay for prescriptions and over-the-counter medical supplies.⁴

How Can an HSA Help Me Pay for Rehab?

There are many ways an HSA can be used to help you pay for drug rehab.⁴ HSA contributions can be used to pay deductibles or copays not covered by insurance.

Additionally, HSA funds can be used to pay for rehab in the following ways:^4,5

• Transportation to drug rehab.
• Rehabilitation treatment.
• Prescription medications.
• Smoking cessation programs.
• Therapy sessions.
• Vision or dental costs.

If you have an HSA or are eligible to enroll in an HSA and need drug rehab, consider using the funds to limit your out-of-pocket expenses.

Other Ways to Pay for Rehab

Rehab treatment is individualized and based on your specific needs, so costs vary. However, there are many ways you can pay for rehab. Many treatment centers offer a variety of payment options.

Some additional ways to pay for rehab include:

• Health insurance coverage.
• Family contributions.
• Grants or scholarships.
• Financing options.

Treatment Options for Drug and Alcohol Rehabilitation

If you need drug or alcohol rehabilitation, American Addiction Centers (AAC) offers numerous options for your care.

Some behavioral therapies that AAC offers include:^6,7

• Medication-assisted treatment. Treatment that uses medication in combination with behavioral therapies to treat addiction. It is most commonly used to treat alcohol use disorder and opioid use disorder.
• Cognitive-behavioral therapy. An evidence-based therapy that is used to help you identify your triggers to use drugs, cope with triggers effectively, and avoid situations that you may be likely to use.
• Contingency management. A treatment modality that uses rewards for abstaining from drugs.
• Family therapy. Therapy that teaches family members about addiction and explores the impact a relative’s substance use can have on them. It can help improve overall family functioning.
• Motivational interviewing. A type of therapy technique that assesses readiness for change and the steps involved in making a change.

Additionally, AAC treatment centers offer differing levels of care to suit each person’s treatment needs, such as:

• Residential or inpatient treatment.
• Intensive outpatient (IOP) treatment.
• PHP treatment.
• Outpatient treatment.

If you’re having challenges with addiction, reach out to AAC at to learn about treatment options, verify your insurance coverage, and start the admissions process. Recovery is possible, so don’t delay. Call us or click to find treatment centers near you today.