Laser treatment for toenail fungus is an approved HSA expense

Did you know that laser treatment for toenail fungus is an approved HSA expense?  

Your Health Savings Account (HSA) and Flexible Spending Accounts (FSA) dollars can be used for health related costs not covered under your insurance plan.   Qualifying treatments include laser treatment for toenail fungus, custom orthotics for heel and arch pain, and advanced laser therapy for the treatment of foot and ankle pain and inflammation.


Toenail fungus is a very common condition that affects over 10 million Americans, and is very easily treated by a Podiatrist utilizing advanced laser technology. In the past, treatments for nail fungus included topical and oral medications. The topical medications are mediocre in effectiveness, and oral medications can be hard on your liver.   Fortunately for those with stubborn nail fungus, the latest laser technology has shown to be much more effective, pain free, and without the potential side effects of taking pills. The laser works to destroy the nail fungus by focusing the laser light beam into the toenail infected with fungus (onychomycosis). The laser light penetrates the toenail, destroying the fungus within the nail bed and nail plate.  The surrounding nail tissue is unaffected by the laser. At Kansas City Foot and Ankle, we perform four treatments to the affected nails, and then recommend laser maintenance treatments every six months to help prevent recurrence of the fungus. The treatments are very quick and painless.

It is important to see a podiatrist if you think you have toenail fungus. A podiatrist can properly diagnose nail fungus by sending a sample of the nail to a lab to be cultured. Many times, what looks like nail fungus to an untrained eye, may be something as simple as micro trauma, and not toenail fungus. The most common reason that fungal nail treatments fail is because it wasn’t fungus to begin with!

Understand Your Health Savings Account

Health savings accounts help alleviate the financial burden of non-covered health related costs for anyone enrolled in a high-deductible health plan. Health Savings Accounts are a smart and beneficial personal finance tool, with generous contribution limits and tax-free deposits and withdrawals for medical expenses that qualify under your insurance plan. Check with your employer or HSA administrator to determine what medical expenses qualify under your specific plan.

You’ve invested time and money into your HSA. It’s important to fully understand your plan so you can use it wisely. Knowing what you can and can’t use HSA dollars for is important. For example, if your insurance has already paid for a treatment or service, it doesn’t qualify for HSA reimbursement. Over-the-counter and non-prescription medications are also not qualified for reimbursement.

Thinking of opening an HSA in 2015? Here are some important facts to consider:

  • Individuals can contribute a maximum of $3,350 to their HSA in 2015.
  • Families can contribute a maximum of $6,650.
  • HSA account holders 55 years of age and older can make annual “catch-up” contributions up to $1,000 until enrolled in Medicare.
  • Account holders 65 and older can withdraw their money for any reason, tax-free.

Know the Advantages of a Health Savings Account

  • You decide how much money to set aside for health care costs.
  • You control how your HSA money is spent. You can shop around for care based on quality and cost.
  • Your employer may contribute to your HSA, but you own the account and the money is yours, even if you change jobs.
  • Any unused money at the end of the year rolls over (stays in your account) to the next year.
  • You don’t pay taxes on money going into your HSA.

If you think you have toenail fungus give Kansas City Foot and Ankle a call today at 816-943-1111.  We can get your toes ready for summer!