Using your FSA, HSA, or HRA on Headway

Employers may offer one or a combination of the following healthcare cost-saving benefits as part of your employee benefits package: Healthcare Flexible Spending Accounts (FSA), Health Savings Accounts (HSA), and Healthcare Reimbursement Arrangements (HRA).

There are a few different ways that you can use your benefits to pay for your Headway sessions:

• Add your FSA, HSA, or HRA debit card as your payment method or
• Download your Headway invoices and then submit them to your FSA, HSA, or HRA plan to receive reimbursement

Splitting payments

Currently, Headway's payment processor does not support splitting payments for client invoices, meaning we're unable to apply partial balances from FSA, HSA, or HRA funds or debit cards to outstanding invoices.

Using an FSA or HSA card to pay for sessions

You can pay for sessions directly with some FSA/HSA cards. Please note: Not all HSA/FSA cards allow for online transactions. If you are receiving an error when trying to add your card, this transaction is likely not allowed by your card issuer.

If you don't have a card (or you are unable to use your card online) and want to submit for reimbursement, you can use the invoices you’re emailed after each session. You can also download your invoice for each appointment via the Past Appointments page in your account.  If you prefer, you can download a full month's invoices in one file (a Superbill)! We've made sure to include all the necessary information for reimbursement.

 Headway does not facilitate reimbursement requests – you will need to reach out to your insurance provider for instructions.

If you have an HRA

Healthcare reimbursement accounts (HRAs) aren't easily accessible by our system, so we're not always fully aware that there is an account attached that will automatically pay for the cost of sessions and we don’t have access to the client’s HRA balance. Because of this, you may be charged for a session that your HRA already paid for.

Please review your Explanation of Benefits (EOB) to see if the HRA paid for your session. If so, please reach out with the following information: 

• A copy of the EOB(s)

• A full page screenshot of your HRA account balance

• The amount from that balance you would like to allocate to your Headway sessions

Once we have this information, we will double check that your insurance company paid Headway appropriately, refund any outstanding session costs that you've paid to Headway, and take the necessary next steps to mitigate future errors.