Is Reiki Covered by Insurance?
Short Answer: Not through traditional insurance, but sometimes through an HSA/FSA — with a Letter of Medical Necessity + itemized receipt.
Traditional health insurance typically does not cover Reiki sessions directly. Most standard health insurance plans classify Reiki as an alternative or complementary therapy that falls outside conventional coverage. However, this is where a Health Savings Account (HSA) or Flexible Spending Account (FSA) can offer an alternative path for reimbursement.
Reiki is considered an established alternative healing method by both HSA and FSA standards. However, coverage depends on your specific provider, employer plan, and/or account administrator’s guidelines. While I’m not able to accept direct HSA/FSA card payments and cannot guarantee approval, I’m happy to provide the documentation and support you may need to submit for reimbursement. If your medical team has questions, I’m also open to collaborative dialogue to support a truly integrative care approach. It’s important to check with your HSA/FSA provider directly to verify eligibility before beginning treatment.
When Reiki Qualifies for HSA or FSA Benefit
The key is ensuring your documentation reflects therapeutic intention for alternative therapy reimbursement rather than general wellness. Sessions for relaxation, stress relief, spiritual growth, personal development, or general well-being without a specific medical diagnosis are generally not eligible for HSA/FSA reimbursement. To qualify, Reiki sessions must support a diagnosed medical or mental health condition and be recommended by a licensed healthcare provider such as a doctor, therapist, or psychiatrist. Both in-person and remote Reiki sessions may be eligible, as long as they meet the documentation requirements.
How to Request HSA/FSA Reimbursement for Reiki
Requirement 1: Letter of Medical Necessity (LMN)
Contact your licensed medical or mental health professional and request a LMN, it should include the following:
Mention of your specific medical or mental health diagnosis
Recommendation of Reiki as a supportive therapy
Suggestion of a general treatment plan or session frequency
Requirement 2: An Itemized Receipt
Receipts are not automatically formatted for reimbursement, but if you let me know you're planning to submit, I’ll provide an itemized receipt that includes:
Your name and date of service
Session description (e.g., “60-min Reiki Energy Healing”)
My business name and Reiki credentials
Session fee and payment method
Every benefits plan is different, but here are some common medical conditions that healthcare providers recognize Reiki can support:
Chronic pain or pain management
Anxiety, PTSD, or depression
Stress-related imbalances or burnout
Nervous system dysregulation
Insomnia or sleep disorders
Autoimmune conditions
Cancer treatment support
Fibromyalgia or chronic fatigue
Trauma recovery and grief
Ready to Explore HSA FSA Reiki Options
Whether you're considering submitting for reimbursement or simply want to learn more about how Reiki can support your healing, I’m here to help you take the next step.