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  • How HSAs Cover Travel Expenses for Medical Care

    How HSAs Cover Travel Expenses for Medical Care
    2026/06/09
    Episode 40 of Health Savings Accounts with Fexingo explores when you can use HSA funds for travel costs related to medical care. Lucas and Luna break down the specific IRS rules, including mileage reimbursement at the 2026 standard rate, lodging limits of $50 per person per night, and what qualifies as a 'primary purpose' trip. They walk through a concrete example of flying from Dallas to Rochester for a specialist consultation, calculating exactly how much of the trip is HSA-eligible. The episode also covers documentation requirements, pitfalls like mixing vacation with medical travel, and tips for maximizing reimbursement. If you've ever wondered whether your HSA can pay for that plane ticket or hotel room for a medical procedure, this episode gives you the numbers and the framework. #HSA #HealthSavingsAccount #MedicalTravel #TravelExpenses #IRS #MileageReimbursement #Lodging #MedicalCare #TaxAdvantage #PersonalFinance #HealthcareCosts #Fexingo #BusinessPodcast #FinancePodcast #Episode40 #HSARules #MedicalExpenses #TripleTaxAdvantage Keep every episode free: buymeacoffee.com/fexingo
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    13 分
  • How Your HSA Can Cover Gym Memberships and Fitness Expenses

    How Your HSA Can Cover Gym Memberships and Fitness Expenses
    2026/06/08
    In this episode, Lucas and Luna explore whether Health Savings Account funds can be used for gym memberships, fitness classes, and exercise equipment. They break down the IRS guidelines on what qualifies as medical care versus general health or wellness. Using the case of a 2026 IRS Private Letter Ruling that approved a gym membership for a patient with obesity, they explain when a doctor's note or a specific diagnosis can make fitness expenses HSA-eligible. They also discuss practical strategies for documenting medical necessity and common pitfalls to avoid when claiming these deductions. Listeners will learn one concrete rule of thumb to determine if their gym fees could qualify, and get tips for working with their healthcare provider to maximize their HSA for preventive physical activity. #HSA #HealthSavingsAccount #GymMembershipHSA #FitnessExpenses #MedicalExpenses #IRSGuidelines #PrivateLetterRuling #PreventiveCare #ObesityTreatment #DoctorNote #TaxAdvantage #TripleTaxAdvantage #PersonalFinance #Finance #FexingoBusiness #BusinessPodcast #WellnessSpending #QualifiedMedicalExpenses Keep every episode free: buymeacoffee.com/fexingo
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    8 分
  • How Your HSA Can Cover Breastfeeding Supplies and Lactation Support

    How Your HSA Can Cover Breastfeeding Supplies and Lactation Support
    2026/06/08
    In this episode, Lucas and Luna break down how Health Savings Accounts can be used for breastfeeding supplies and lactation support—a lesser-known but fully IRS-eligible expense. They cover which items qualify (pumps, storage bags, nipple creams, nursing bras in some cases), what documentation you need, and how FSA/HSA rules differ for lactation consultants. Using recent IRS guidance and real-world examples, the hosts explain why this is one of the most overlooked benefits for new parents. They also touch on the triple tax advantage and how to maximize your HSA for family health expenses. Perfect for anyone planning a family or navigating postpartum costs. #HSA #HealthSavingsAccount #Breastfeeding #Lactation #BreastPump #FSA #TripleTaxAdvantage #IRS #MedicalExpenses #Parenting #NewParents #Postpartum #HealthcareCosts #PersonalFinance #Finance #FexingoBusiness #BusinessPodcast #MoneyTips Keep every episode free: buymeacoffee.com/fexingo
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    5 分
  • How Your HSA Can Pay for Vision Surgery and Laser Eye Correction

    How Your HSA Can Pay for Vision Surgery and Laser Eye Correction
    2026/06/07
    In this episode of Health Savings Accounts with Fexingo, Lucas and Luna dive into how HSAs can cover vision surgery, including LASIK, PRK, and cataract surgery. They break down the IRS eligibility rules, the difference between elective and medically necessary procedures, and how to use your HSA to pay for pre- and post-op appointments. With LASIK averaging $4,200 per eye and cataract surgery often exceeding $5,000 per eye, an HSA offers a tax-free way to cover these costs. The hosts also discuss recent 2026 changes in IRS guidance clarifying that certain astigmatism-correcting surgeries are eligible. Whether you're nearsighted, farsighted, or dealing with age-related vision changes, this episode helps you navigate the tax advantages of paying for eye surgery through your HSA. #HealthSavingsAccount #HSA #VisionSurgery #LASIK #PRK #CataractSurgery #EyeCare #MedicalExpenses #TripleTaxAdvantage #IRSGuidance #PersonalFinance #TaxSavings #FSA #HighDeductibleHealthPlan #HealthInsurance #Fexingo #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    10 分
  • How HSAs Cover Fertility Treatments and Family Building Expenses

    How HSAs Cover Fertility Treatments and Family Building Expenses
    2026/06/07
    Lucas and Luna dive into the often-overlooked role of Health Savings Accounts in covering fertility treatments, egg freezing, IVF, and other family-building medical expenses. With the average IVF cycle costing over $20,000 in 2026, understanding which costs are HSA-eligible can save families thousands. They break down IRS guidelines, recent clarifications on fertility preservation for medical reasons, and how employer-sponsored fertility benefits interact with HSA funds. Specific examples include in vitro fertilization (IVF), intrauterine insemination (IUI), fertility medications, genetic testing of embryos (PGT), and even travel expenses for treatment if medically necessary. They also touch on the tax implications of using HSA dollars for surrogacy and egg donation, where the rules differ. This episode helps listeners plan their family-building journey with maximum tax efficiency. #HealthSavingsAccounts #HSA #FertilityTreatments #IVF #IUI #EggFreezing #FamilyBuilding #MedicalExpenses #TaxAdvantaged #FertilityBenefits #PGT #Surrogacy #EggDonation #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast #FertilityCosts Keep every episode free: buymeacoffee.com/fexingo
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    8 分
  • How Your HSA Can Cover Physical Therapy Costs in 2026

    How Your HSA Can Cover Physical Therapy Costs in 2026
    2026/06/06
    Lucas and Luna dive into how Health Savings Accounts can be used to pay for physical therapy, including insurance copays, out-of-network providers, and specialized equipment. They discuss the IRS rules that make PT an eligible expense, how to get a Letter of Medical Necessity if needed, and a real example of someone recovering from ACL surgery using their HSA for sessions, braces, and even a home exercise program. The episode also covers common pitfalls like gym memberships vs. prescribed physical therapy and what documentation to keep. Perfect for anyone with an HSA who wants to maximize their tax-free healthcare dollars for rehab and recovery. #HealthSavingsAccount #PhysicalTherapy #HSAeligible #MedicalExpenses #TaxAdvantage #RehabCosts #ACLRecovery #LetterOfMedicalNecessity #OutOfNetwork #Copays #HSA #FSA #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast #HealthcareFinance #TripleTaxAdvantage Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • How Your HSA Can Cover Mental Health Therapy Costs

    How Your HSA Can Cover Mental Health Therapy Costs
    2026/06/06
    Episode 34 of Health Savings Accounts with Fexingo dives into using your HSA for mental health therapy. Lucas and Luna break down IRS guidelines on qualifying mental health expenses, including talk therapy, psychiatric care, and online platforms like Talkspace. They explore how the 2026 expansion of telehealth coverage makes it easier to pay for sessions with pre-tax dollars, and offer practical tips for maximizing your HSA for counseling costs. With mental health spending on the rise, this episode provides a clear roadmap for leveraging your HSA to support emotional well-being. Whether you're considering therapy for anxiety, depression, or family counseling, learn how to navigate the rules and avoid common pitfalls. Perfect for anyone with a high-deductible health plan looking to stretch their healthcare dollars. #HealthSavingsAccounts #HSAMentalHealth #TherapyCosts #MentalHealthExpenses #TripleTaxAdvantage #Telehealth #Talkspace #BetterHelp #IRSGuidelines #Counseling #Psychiatry #HighDeductibleHealthPlan #PreTaxSavings #PersonalFinance #Finance #FexingoBusiness #BusinessPodcast #HealthcareCosts Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • How HSAs Cover Your Emergency Room and Urgent Care Costs

    How HSAs Cover Your Emergency Room and Urgent Care Costs
    2026/06/05
    Lucas and Luna dive into a surprisingly common and costly healthcare scenario: emergency room and urgent care visits. With ER visits averaging over $2,000 per trip and urgent care around $150-200, knowing how to use your Health Savings Account for these expenses can save you hundreds. Lucas explains the IRS rules for coverage, including what counts as a qualifying medical expense, how to handle co-pays and deductibles, and why you should keep itemized receipts even if you pay with your HSA debit card. Luna brings in data from a 2025 study showing that 1 in 5 Americans avoid the ER due to cost, and how HSA funds can change that calculus. They also discuss the difference between in-network and out-of-network charges, and a real-world example of a listener who used their HSA to cover a $3,200 ER bill after a bike accident. Plus, a brief word on how listener support keeps the show ad-free. #HealthSavingsAccounts #HSA #EmergencyRoom #UrgentCare #MedicalExpenses #TripleTaxAdvantage #HealthcareCosts #FSA #HealthInsurance #CoPay #Deductible #OutOfNetwork #ItemizedReceipts #ERVisit #UrgentCareCosts #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    10 分