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:

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.


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.

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