Save with HSA/FSA on Physical Therapy in San Diego

By Dr. Jennifer Johnston | Advanced Physical Therapy & Wellness, San Diego

If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you already have an amazing tool to save money on your healthcare - especially on high-quality physical therapy.

At Advanced Physical Therapy & Wellness in San Diego, we often see people forget to use their HSA or FSA funds before they expire. Whether your balance is running out this year or about to reload in January, now’s the perfect time to put those dollars to work toward your health, recovery, and performance.

Here are my top 10 reasons to use your HSA or FSA for physical therapy (and why it’s one of the smartest year-end health moves you can make):

1. You Save on Taxes

When you contribute to your HSA or FSA, those funds are pre-tax, which can lower your taxable income and reduce your overall tax burden.

“Contributing to your HSA or FSA gives you real tax savings - it can even lower your tax bracket,” says Dr. Johnston.

2. Reduce Out-of-Pocket Expenses

You can receive one-on-one, hands-on physical therapy without pulling from your regular paycheck. These funds were already set aside for your health - now’s your chance to use them wisely.

3. All Physical Therapy Services Are Eligible

All of our physical therapy sessions, injury rehabilitation, and wellness programs are HSA/FSA eligible. That means you can use your funds for both short-term pain relief and long-term health maintenance.

4. No Hidden Costs or Surprise Bills

At our cash pay physical therapy clinic, what you see is what you get.

“Sometimes when you go through insurance, you get surprise bills later if things are denied. With us, there are no surprises - you know your total cost before you start,” explains Dr. Johnston.

5. Easy Reimbursement Process

We make it simple: pay for your sessions, and we’ll provide an itemized receipt you can submit to your HSA or FSA provider for fast reimbursement.

6. Use It for More Than Just Injuries

Traditional insurance-based physical therapy limits you to injury care. At our clinic, you can use your funds for maintenance, prevention, and performance training - not just when you’re hurt.

“Here, you can come in to stay fit, healthy, and pain-free - not just to recover from an injury,” says Dr. Johnston.

7. Better Value, Faster Results

Because we provide longer, one-on-one sessions, we get more done each visit. That means fewer total visits, faster progress, and better value overall.

8. Invest in Your 2026 Wellness Goals

Use your HSA or FSA to invest in one of our Wellness Warrior Programs - customized plans designed to help you stay active, strong, and injury-free all year long. Whether your goal is to run a race, hike more, or simply move pain-free, we can help you get there.

9. Stay Ahead of Pain and Injury

Don’t wait for pain to stop you. Using your HSA or FSA for preventative physical therapy allows you to tackle small issues before they become bigger problems.

10. Simple, Transparent Care - No Insurance Hassles

No denials. No red tape. Just clear pricing and personalized care focused entirely on helping you feel and perform your best.

Ready to Use Your HSA or FSA for Physical Therapy?

At Advanced Physical Therapy & Wellness in San Diego, we make it easy to maximize your benefits before the year ends. Whether you’re recovering from an injury or want to stay active and prevent future pain, we’ll help you make the most of your HSA or FSA dollars.

Call or text us today at (858) 900-8053 or clinic the link below to schedule your appointment or learn how to apply your HSA/FSA funds toward your physical therapy and wellness goals.