Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are special savings accounts to help with medical costs. With an HSA, you can save money before taxes to pay for medical expenses, and it stays yours even if you change jobs. FSAs are also for medical expenses but are set up by your employer, and you need to use the money within the plan year or risk losing it.

A Letter of Medical Necessity is a document from a doctor that explains why a specific medical treatment or service is crucial for a person's health. It outlines the medical reasons behind the need for the treatment and is often required by HSA and FSA account providers to justify covering the associated costs. Essentially, it's a doctor's note that helps people get the medical support they need by providing a clear explanation of why it's necessary. And in this case, it explains why your service dog is part of your medical treatment.

Yes, you must have a service dog to pay for dog food using your HSA/FSA funds. Any expenses directly related to the care of a service dog are eligible if recommended by a healthcare professional.

To get your dog certified as a service dog for a psychiatric condition like anxiety, ask your therapist or healthcare professional for a psychiatric service dog letter. This letter should explain the need for a service dog to help with your condition. If you have questions about where to obtain this letter, please contact our team at woof@yumwoof.com.

Using your HSA/FSA funds to pay for your service dog's food can help you save money because these funds are pre-tax dollars, meaning you don't pay taxes on the amount used for eligible medical expenses. By covering your service dog's food costs with HSA/FSA funds, you effectively reduce your taxable income and save on income taxes, making it a more cost-effective way to care for your service animal.

If you're not approved for your Letter of Medical Necessity after purchasing it, we offer a 100% money-back guarantee on the cost of the letter. This means that if, for any reason, you are not provided a Letter of Medical Necessity, you will receive a full refund of the amount you paid. We are committed to ensuring your satisfaction and providing financial peace of mind in such cases.