Cool Relief - Air Conditioner: HSA Eligibility
We have some exiting news for those who may not be aware of a unique benefit related to air conditioning—reimbursements through your Health Savings Account (HSA). Yep, you heard that right! In some circumstances, you may be eligible for this reimbursement by leveraging a Letter of Medical Necessity (LMN). Continue reading to discover how your air conditioning expenses may qualify for this unexpected advantage.
Understanding Eligibility
According to Treasury Regulation ‘1.213-1(e)(1)(iii), Private Letter Ruling 8009080, air conditioning reimbursement can be possible with a Health Savings Account (HAS), Flexible Spending Account (FSA), or Health Reimbursement Arrangement (HRA), given the submission of a Letter of Medical Necessity. It is crucial to note that reimbursement is not applicable for limited-purpose flexible spending accounts (LPFSA) or dependent care flexible spending accounts (DCFSA). The key is understanding when air conditioning becomes more than a cooling solution – it becomes a medical necessity.
To quality for reimbursement, the primary purpose of your air conditioner must be to treat or alleviate a medical condition. A Letter of Medical Necessity is required to show that the expense is primarily used for medical care. For more personalized information, we recommend speaking with your FSA, HAS, or HRA benefits administrator.
Click the button below to find more information about Letters of Medical Necessity on GoodRX Health.
How Air Conditioning Can Impact Health
Air conditioning is not just about creating a comfortable indoor environment; it can also contribute to improved health conditions. While not explicitly designed as a medical device, air conditioners with air purification accessories can filter out allergens and particles, offering relief to those with respiratory issues. The IRS recognizes these potential health benefits and allows individuals to cover the cost of their air conditioner under specific conditions.
Air conditioners can be a game-changer for individuals dealing with allergies or respiratory illnesses. If you believe your air conditioning expenses align with these criteria, explore the possibility of reimbursements with your benefit administrator.
At James River Air, we understand the importance of not only providing top-notch home comfort solutions but also ensuring our valued clients are aware of potential benefits they may be entitled to. If you have any questions or need assistance, feel free to reach out to our team. We’d be happy to help!
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