Is Talkspace Online Therapy Gift Card HSA or FSA Eligible?

Gift cards for therapy services are not directly eligible as HSA/FSA expenses; therapy sessions paid directly at the time of service may be eligible, but prepaid gift cards are not.

The full list of qualified medical expenses is defined in IRS Publication 502, updated annually. The CARES Act of 2020 expanded eligibility to include all OTC medicines and menstrual care products.

1. Purchase Talkspace Online Therapy Gift Card directly with your HSA or FSA debit card — no pre-approval needed.
2. Alternatively, pay out of pocket and submit the receipt for reimbursement through your plan's portal or app.
3. Keep your receipt. If your card is declined (auto-substantiation failure), you can manually submit the receipt.
4. Save receipts for 7 years in case of an IRS audit.