Ask about the exact service

Get the answer from your insurer.

Ask what your health insurer would pay. If you have an account for medical spending, ask its manager what that account can pay too.

The short answer

Ask your health insurer about the exact visit and medicine. Keep its written answer beside the clinic’s price quote. Do not assume it will pay.

Questions for the insurer

My insurer’s answer

Write below, or use paper. Copy anything worth keeping; the page does not save your notes.

Exact service or medicine I asked aboutWill insurance pay, and is this handled as a medical bill or a medicine bill?Does my insurer need to agree before the visit or purchase?What would I pay, and what might be separate?What record or written answer can I keep?What remains unanswered?

If the insurer asks for a billing code or record, ask the health professional for it. Read it back so both are discussing the same visit or medicine.

The short answer

A health savings account (HSA) holds money set aside for medical expenses; so does a flexible spending arrangement (FSA).

As of September 2026, federal tax rules require a medical-care purpose, such as treating a condition a doctor has diagnosed; spending only for general health does not qualify.

Ask the account manager too

As of September 2026, your medical spending account’s managing organisation may request a “letter of medical necessity”. Federal tax guidance does not require a letter by that name.

In that letter, the health professional explains why you need the care or medicine. Ask the account manager whether you need one before paying.

A letter does not guarantee that your account can pay a Selank bill. Ask the account manager about the exact expense.

Keep the payment answer clear

The answer refers to the exact proposed expense.
I have asked what documents are needed.
I know who gave the answer.
I have a written record or a place to request one.
I have not treated the clinic’s claim as my insurer’s or account manager’s answer.

Read the general account rule

Federal medical-expense guideGeneral wellness is not the whole test.Open the evidence note

As of September 2026, federal tax guidance requires spending to have a medical-care purpose; wanting better health in general does not qualify.

Ask the account manager which documents to keep. The records need to describe the service or medicine, its date, and what it cost.

Ask whether a receipt is enough or whether they also need a prescription or a letter explaining why the care is needed.

Read the federal tax explanation