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  • 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
  • How Your HSA Can Cover Dental Implants and Major Restorative Work

    How Your HSA Can Cover Dental Implants and Major Restorative Work
    2026/06/05
    Episode 32 of Health Savings Accounts with Fexingo dives into a high-cost, often-confusing area: major dental work like implants, bridges, crowns, and dentures. Lucas and Luna break down what the IRS considers a qualified medical expense, using the example of a single dental implant that can cost $3,000 to $6,000. They explain the triple tax advantage in action: contributing pre-tax dollars, growing tax-free, and withdrawing tax-free for qualified expenses. The episode covers how to get proper documentation from your dentist, the role of a Letter of Medical Necessity for procedures like bone grafts, and the difference between cosmetic and restorative work. Lucas shares data from the National Association of Dental Plans showing 77 million Americans lack dental insurance, making HSAs a powerful alternative. Luna highlights the 'use it or lose it' myth and how HSAs let you save for future dental needs. The hosts also clarify that cash-pay discounts negotiated directly with dentists can still be reimbursed from your HSA. Tune in to learn how to maximize your HSA for one of the most common big-ticket health expenses. #HSA #DentalImplants #HealthSavingsAccount #DentalExpenses #TripleTaxAdvantage #DentalInsurance #MedicalExpenses #FinancePodcast #PersonalFinance #FexingoBusiness #BusinessPodcast #DentalWork #RestorativeDentistry #TaxSavings #Crowns #Dentures #BoneGraft #DentalCare Keep every episode free: buymeacoffee.com/fexingo
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    11 分
  • How Your HSA Can Cover Medical Marijuana Costs

    How Your HSA Can Cover Medical Marijuana Costs
    2026/06/04
    Episode 31 of Health Savings Accounts with Fexingo digs into a gray area: can you use HSA funds for medical marijuana? Lucas and Luna break down the IRS stance, state-level legalization conflicts, and what counts as a qualified medical expense. They cover a real case from New York where a patient successfully used an HSA for cannabis after a cancer diagnosis — and the pitfalls that trip up most people. Plus, practical tips on documentation, the role of a doctor's recommendation versus a prescription, and how to avoid an IRS audit. If you've ever wondered whether your HSA debit card works at the dispensary, this episode is for you. #HealthSavingsAccounts #HSA #MedicalMarijuana #CannabisExpenses #IRSRules #QualifiedMedicalExpenses #TaxAdvantage #FexingoBusiness #Finance #PersonalFinance #WealthManagement #MedicalExpenses #Dispensary #CancerTreatment #ChronicPain #StateLaw #Section213D #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    10 分
  • How Your HSA Can Cover Weight Loss Programs and Drugs

    How Your HSA Can Cover Weight Loss Programs and Drugs
    2026/06/04
    In this episode, Lucas and Luna explore how Health Savings Accounts can be used for weight loss programs and prescription drugs, including GLP-1 medications like semaglutide. They discuss the IRS rules, the distinction between medical treatment and general health, and what documentation you need to avoid tax penalties. Specific examples include the qualifications for obesity treatment and the recent FDA approvals. Learn how to maximize your HSA for weight management expenses while staying compliant. #HealthSavingsAccount #HSA #WeightLoss #GLP1 #Semaglutide #ObesityTreatment #MedicalExpenses #TaxAdvantage #IRS #FSA #PrescriptionDrugs #Finance #PersonalFinance #Healthcare #Wellness #FexingoBusiness #BusinessPodcast #TaxTips Keep every episode free: buymeacoffee.com/fexingo
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    7 分