How to use HSA or FSA dollars for telehealth and AI health tools

Spend your tax-advantaged health dollars on covered telehealth and digital health services.

Step-by-step

1. Step 1: Confirm telehealth is an eligible expense

   Telehealth visits with a licensed provider are eligible HSA/FSA expenses, including primary care, behavioral health, and specialty visits. AI symptom assessment tools alone are generally not eligible unless billed as part of a clinician visit.

2. Step 2: Pay with your HSA/FSA debit card if available

   If your HSA/FSA provider issued a debit card, use it at checkout for the telehealth visit. This pre-authorizes the expense and avoids manual reimbursement.

3. Step 3: Save the itemized receipt

   Telehealth platforms send an itemized receipt showing the provider, date, service code, and amount. Save it — your HSA administrator may audit any year. PDF receipts are fine.

4. Step 4: Submit for reimbursement if you paid out of pocket

   If you paid with a personal card, log in to your HSA/FSA portal, upload the receipt, and submit a reimbursement claim. Funds typically transfer to your bank in 3-5 business days.

5. Step 5: Track your spending against the annual limit

   2026 limits: HSA $4,300 (individual) / $8,550 (family); FSA $3,300. FSA dollars typically expire at year-end; HSAs roll over and grow tax-free.

Why this matters

This is the kind of question GProv is built to answer. Our AI assistant Appi can guide you through this in real time, and our Find Care directory lets you act on the result — book an appointment, check a coverage detail, or share records — without leaving the platform. Free for patients, with end-to-end PHI encryption (AES-GCM 256) and BAA-only AI routing for any provider-bound questions.