Is GolfRx HSA/FSA Eligible? Yes — Here’s Why.

GolfRx isn’t just a wellness program — it’s a structured mental health therapy created by a PhD clinician and delivered with licensed therapist oversight. When used to treat a diagnosed mental health condition (like anxiety, PTSD, or depression), GolfRx qualifies as a medical expense under IRS rules.

What the IRS Says

Internal Revenue Code §213(d) defines medical care as costs paid for the “diagnosis, cure, mitigation, treatment, or prevention of disease.” (Cornell Law – IRC 213(d))
IRS Publication 502 confirms that therapy from a licensed professional to treat a mental illness is a deductible medical expense. It also notes that expenses for exercise or activity can qualify if prescribed to treat a specific disease. (IRS Pub 502, 2024)
Therapy to treat a diagnosed mental illness is a qualified medical expense.(IRS FAQs – HSAs, FSAs, HRAs)

How GolfRx Fits

Clinician-designed program — Built by a PhD in clinical psychology.
Licensed therapist oversight — Your plan includes diagnosis, treatment planning, and medical documentation.
Letters of Medical Necessity (LMNs) — Provided so your HSA/FSA administrator can approve expenses.
Direct tie to treatment — Golf is used as part of your prescribed therapy, not for general recreation.

Precedents for Activity-Based Therapy

Courts and the IRS have recognized non-traditional therapies (like equine therapy or prescribed exercise) as deductible when medically necessary. For example, Jacobs v. Commissioner upheld activity-based costs if they are an essential element of treatment and wouldn’t be incurred “but for” the illness.

Important Limitations

Only GolfRx-related activity prescribed by your provider can be reimbursed. This can be at any golf course as long as it ties to the GolfRx program
We provide receipts, therapist notes, and LMNs so you have the documentation needed for your HSA/FSA administrator.
Always check with your tax advisor or benefits provider for your specific situation.