How to Use Your HSA or FSA to Pay for Flourish Plus (A Simple, Step-by-Step Guide)

Taking care of your emotional well-being shouldn’t feel confusing, expensive, or out of reach. That’s why we’re so excited to share a new option that helps make Flourish Plus more affordable—and more accessible—than ever!

You may now be able to use your HSA or FSA funds to pay for Flourish Plus.

This guide walks you through everything you need to know:
how eligibility works, how to get reimbursed, how to involve your clinician, and how to make the process as smooth as possible.

Let’s dive in.

🌱 First things first: What is an HSA or FSA?

Both HSAs and FSAs are special accounts that let you set aside pre-tax money for qualified health expenses. That means you save money while investing in your mental health.

Here’s the difference:

HSA (Health Savings Account)

• Funds roll over forever
• You keep the account even if you change jobs
• Qualifies for a wide range of health-related expenses
• No “use it or lose it” rule

FSA (Flexible Spending Account)

• Funds often expire December 31
• Some plans offer a 2.5-month grace period
• Some allow a limited carryover (~$600)
• “Use it or lose it” applies for most people

Both accounts can cover mental-health-related expenses—including apps—when supported by a Letter of Medical Necessity (LMN).

Why Flourish Plus may qualify

Because Flourish is a well-being and emotional-support app (not a clinical service), HSA/FSA administrators require one simple document:

A Letter of Medical Necessity (LMN)

signed by a licensed clinician (e.g., therapist, psychologist, psychiatrist, PCP, NP, PA).

This is the same process used by other mental-wellness apps such as Calm, Headspace, Noom, Talkspace, and similar tools.

If you're already working with a therapist or clinician, the process is straightforward.

Step-by-Step: How to use your HSA/FSA for Flourish Plus

Here’s the full process broken down clearly and simply.

Step 1: Download the LMN template

We created a ready-to-use Letter of Medical Necessity form that your clinician can complete in just a few minutes.

👉 Download the LMN Template

The form includes all fields typically required by HSA/FSA providers.

Step 2: Ask your clinician to sign it

Share the LMN with the clinician who supports your care:

• Therapist
• Psychologist
• Psychiatrist
• Primary care physician
• Nurse practitioner / PA

If they believe Flourish supports your mental health treatment plan, they can sign the form.

Most clinicians are familiar with LMNs—they’re used for many wellness and mental-health tools.

A helpful message you can copy/paste:

“My HSA/FSA provider requires a simple Letter of Medical Necessity for mental health apps. I use Flourish to support stress, emotional regulation, and well-being between sessions. Would you be able to review and sign this LMN so I can get reimbursed?”

Step 3: Submit your LMN + Flourish receipts to your HSA/FSA provider

Your provider will typically ask for:

• The completed LMN (see template here)
• A copy of your Flourish Plus subscription receipt
• Dates of service (subscription period)

You can download receipts directly from the App Store / Google Play Store.
Or we can help—just email hello@flouriship.com

Most reimbursements are processed within 1–2 weeks, depending on your provider.

Want to use HSA/FSA funds for your child?

In many cases, yes—you can.

HSA and FSA funds can cover eligible medical expenses for dependents, including children.
The process is the same:

1. Download the LMN
2. Have your child’s clinician sign it
3. Submit the LMN + receipts

If your child is already in therapy, this is typically very easy to complete.

Tried the process? We’d love your feedback.

This is a new option for Flourish members—and your experience matters.

If you move forward with using your HSA or FSA funds to pay for Flourish Plus, we’d truly love to hear from you so we can:

• improve the process,
• update our guides,
• advocate for easier reimbursement, and
• make everything as seamless as possible for the next Flourisher.

You can reach us anytime at hello@flourship.com
Your voice directly shapes how we support the community. 💛

💛 Not in therapy right now? Here’s an option.

If you'd like additional support—or want help connecting with a clinician—we’ve partnered with BetterHelp to offer Flourish members:

👉 Get 20% off your first month of therapy through BetterHelp

http://betterhelp.com/flourish20

A licensed therapist can also sign your LMN if they determine Flourish supports your mental health needs.

A quick FSA reminder

If you have an FSA:

• Many plans expire December 31
• Some offer a 2.5-month grace period
• Others allow a limited carryover
• Unused funds often get forfeited (“use it or lose it”)

Using your remaining FSA dollars toward your well-being is a wonderful way to support yourself while maximizing your benefits.

We’re here to support you

If you need help with:

• receipts
• LMN guidance
• submissions
• or anything else

Our team is always here for you.
Just reach out at hello@flouriship.com

Here’s to more calm, clarity, connection, and growth.
You deserve support that meets you where you are. 💛

Warmly,

The Flourish Team

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