reimbursement
HSA / FSA with Mogomed
Many travelers use an HSA or FSA for qualified medical care — and, when their plan allows, the travel that is essential to it. We help you assemble the file. Your administrator decides. We do not file claims, and we do not give tax advice.
Important disclosures
Mogomed is not a tax advisor. We are not a CPA, tax attorney, licensed financial advisor, medical provider, or claims administrator. Nothing on this page or in Sanctuary is tax, legal, or financial advice.
Eligibility under IRC §213(d), §223, employer §125 plans, and your HSA/FSA documents is decided solely by your plan administrator, employer, and applicable tax authorities—not by Mogomed.
Mogomed does not file, submit, process, guarantee, or insure reimbursement claims. Claim outcomes, denials, audits, interest, and penalties are your responsibility.
Sanctuary packets organize documentation for you to send to your administrator. They are not a determination of medical necessity or tax deductibility.
See also our Terms of Service and Privacy Policy.
Why this exists
Many travelers use a Health Savings Account (HSA) or Flexible Spending Account (FSA) for qualified medical expenses and, when their plan allows, related transportation and lodging that is primarily for and essential to care. Mogomed helps you gather booking invoices, optional travel receipts, and traveler attestations into one administrator-facing PDF.
International care and medical travel often receive heightened scrutiny. Always confirm with your administrator or a qualified advisor before relying on reimbursement.
How to build your packet
Step 01
Book with a standard Admin Service Fee
At checkout you pay Mogomed an Admin Service Fee with an ordinary payment card. It is fulfilled at checkout — not a hold and not prepayment of clinical care. Do not use an HSA/FSA card for the fee unless your administrator has explicitly approved that use. Mogomed does not determine that the fee is a qualified medical expense.
Step 02
Wait for clinic confirmation
Your partner clinic confirms an exact date and time through the Mogomed portal. Until then, Sanctuary shows preferred windows—not a final appointment clock time.
Step 03
Open HSA / FSA in Sanctuary
After the clinic confirms (or after care is complete), HSA / FSA unlocks on that trip. Until then it stays unavailable — confirmation is what makes the packet real.
Step 04
Build your substantiation packet
Attach optional flight and hotel receipts, enter amounts and lodging nights/persons, type your legal name, and accept the required attestations. The packet includes the full care amount (Admin Service Fee plus clinic due), not the fee alone.
Step 05
You submit to your administrator
Download the PDF and file it with your HSA/FSA administrator (or tax advisor). Mogomed does not file, route, guarantee, or insure claims.
After confirmation, open Sanctuary and use HSA/FSA Reimbursement on the same row as Manage / Cancel.
What goes in the packet
- Full care amount — Admin Service Fee plus remaining clinic due / listed care total (not the fee alone), drawn from your booking.
- Optional flight receipt (PDF, PNG, or JPG) and receipt total.
- Optional hotel invoice, nights, and persons (1–2). Lodging claimable estimates use the IRC §213(d)(2) $50 / night / person concept for packaging—your administrator’s rules control.
- Companion name when a second lodging person is included.
- Your legal name, printed with electronic signature and date on the attestations.
- IRS eligibility outline, care/location summary, and source-document appendix references.
What is often allowed
Typical categories under qualified medical expense concepts—not a promise of approval:
- Physician-directed diagnostic or treatment services (care fees).
- Transportation primarily for and essential to medical care (for example, airfare to the care city), when properly documented.
- Lodging primarily for and essential to medical care, often subject to statutory per-night / per-person caps.
- A companion’s limited travel or lodging in narrow circumstances some plans recognize when presence is necessary for the patient—confirm with your administrator.
“Often allowed” does not mean “always approved.” Plans differ.
What is typically not allowed
- Meals, entertainment, tourism, sightseeing, or vacation add-ons.
- Travel or lodging that is primarily personal pleasure, recreation, or a dual-purpose trip with a significant non-medical element.
- Cosmetic or appearance-only items your plan excludes, even if performed at a partner clinic (unless an exception your plan recognizes applies).
- Amounts above plan caps, excluded categories, or expenses without itemized receipts and a clear medical purpose.
- Using an HSA/FSA card for the Mogomed Admin Service Fee without prior administrator approval.
IRS guideline orientation
The outline below mirrors what appears in Mogomed substantiation packets. It is educational orientation only—not advice, and not a substitute for Publication 502, the Code, or your plan documents.
Definition of medical care
IRC §213(d)(1)(A)
Amounts paid for diagnosis, cure, mitigation, treatment, or prevention of disease, or for affecting any structure or function of the body.
Cosmetic exclusion
IRC §213(d)(9); Pub 502
Cosmetic / appearance-only procedures are not medical care unless ameliorating congenital abnormality, injury, or disfiguring disease.
Transportation
IRC §213(d)(1)(B); Pub 502
Amounts paid for transportation primarily for and essential to medical care.
Lodging
IRC §213(d)(2); Pub 502
Lodging away from home may be medical care if primarily for/essential to care by a physician in a licensed hospital (or equivalent), not lavish, no significant vacation element; capped at $50 per night per individual (companion may add $50).
Meals
Pub 502
Meals during travel / hotel stay are not includible under the lodging rule.
HSA / FSA
IRC §223(d)(2); §105 / §125
Qualified medical expenses follow §213(d). Mogomed does not determine eligibility.
Attestations in the packet
Before generating a PDF you must accept two attestations. The packet then prints them with your legal name as an electronic signature and the attestation date.
Attestation A — Purpose of travel
You attest the trip was undertaken expressly and primarily for the medical care in the package, that travel was essential to that care, and that there was no significant element of personal pleasure, recreation, or vacation. Lodging you submit was primarily for and essential to that care and not lavish or extravagant under the circumstances.
Attestation B — Accuracy and Mogomed’s role
You attest receipts are true copies of amounts paid or owed, you will not seek improper duplicate reimbursement, and you understand Mogomed does not file claims, guarantee approval, or provide tax or legal advice. Eligibility is determined by your administrator under IRC §§213, 223 (and §125 if applicable). You submit the package.
Companion attestation (when applicable)
If lodging persons is two, you may attest that a named companion traveled because their presence was necessary for you to receive the care described.
After you download the PDF
- Review names, dates, amounts, and attached receipt references for accuracy.
- Submit through your administrator’s portal, app, or claim form—follow their deadlines and instructions.
- Keep copies of the packet, clinic statements, physician necessity letters (if required), and travel receipts for audits.
- If they request more documents, respond to them directly. Mogomed can help locate booking or payment references via contact, but cannot approve claims.
Who does what
Mogomed provides
- Transparent care pricing and Admin Service Fee invoices
- Clinic confirmation workflow and Sanctuary itinerary
- Optional substantiation PDF packaging tools
- Help finding booking and payment references
Your administrator decides
- Eligibility and claim approval or denial
- Reimbursement payouts and timing
- Additional documentation requests
- Audit responses and tax treatment
next step
Ready to generate a packet?
Clinic confirmation unlocks HSA / FSA on your trip. Questions about the booking — not tax advice — can go to concierge.