Does Hims Take Insurance? HSA, FSA, and Reimbursement

• Hims doesn’t bill any health insurer, Medicare or Medicaid for any treatment. It also files no claims and issues no superbills. Mental health medication starts at $49 a month, paid by card.
• HSA and FSA: Hims names only its weight loss medication as eligible. The weight loss membership fee ($149 a month after a $39 first month) is excluded, and an HSA or FSA card can’t be the card on file.
• For mental health, ED, and hair loss, eligibility follows IRS rules and your plan administrator. Prescribed antidepressants generally qualify; treatment for ordinary male pattern baldness generally doesn’t.

You pay Hims directly for each order, either by card or, for some treatments, through Klarna financing. Its licensed providers review your online intake questionnaire and prescribe medication when appropriate. For anxiety and depression, this can include generic medications such as sertraline and escitalopram, which Hims mails to you.

Hims’ terms say that Hims and its medical groups are not participating providers with any commercial insurer, Medicare, or Medicaid. Neither you nor Hims will submit a claim to an insurer.¹ HSA and FSA eligibility follows separate IRS rules and your plan administrator’s requirements. On its own pages, Hims identifies only its weight loss medication as eligible.²

Start a Hims mental health assessment

ChoosingTherapy.com may earn a commission from the companies whose services are linked on this page.

Hims and Insurance by Treatment

Hims accepts no insurance for any product line, citing the requirements that come with insurance reimbursement.²³ HSA and FSA eligibility varies by line.

Checked on Hims’ pages, IRS Publications 502 and 969 and the HSA Store eligibility list, September 25, 2026. Your plan administrator makes the final call on any HSA or FSA claim.

Can You Use an HSA or FSA for Hims?

An HSA (health savings account) and an FSA (flexible spending account) both hold pre-tax money for medical costs. IRS rules count treatment for a physical or mental illness, including psychiatric care and prescribed medicines, as eligible expenses, while cosmetic procedures are excluded.⁴⁵ Hims specifically addresses HSA and FSA eligibility for weight loss and testosterone. For its other services, your plan administrator applies those rules.

This article is for information only and is not medical advice. Talk to a doctor or licensed clinician before starting, stopping, or changing any treatment.

Weight loss medication and the membership fee

Hims says the full cost of its GLP-1 injectable or oral medication kit is eligible for HSA and FSA reimbursement.² The monthly membership fee is not. Some users report that their FSA administrators have asked for an extra medical-use form for GLP-1 claims because these medications can be prescribed for more than one purpose.

Mental health medication

Hims’ mental health pages and help center don’t mention HSAs or FSAs. IRS Publication 502 counts psychiatric care and prescribed medicines as medical expenses, and the HSA Store’s eligibility list marks prescribed antidepressants as eligible.⁵ These expenses generally qualify for HSA or FSA reimbursement, but Hims doesn’t confirm eligibility for its plans. Ask your administrator first. Our guide to using an HSA for mental health care covers therapy and other costs.

Hair loss: finasteride and minoxidil

Hair loss claims are the most likely to be turned down. IRS Publication 502 excludes cosmetic procedures, including hair transplants, and the HSA Store’s list treats ordinary male pattern baldness treatment as cosmetic.⁵⁶ Hair loss from a medical condition such as alopecia may qualify with a physician’s letter of medical necessity, but Hims doesn’t offer a letter service.

Over-the-counter medicines such as minoxidil have qualified without a prescription since 2020, but the cosmetic test still applies.⁴ An HSA withdrawal spent on a non-qualified expense carries an additional 20% tax.⁴

ED and testosterone

Hims’ ED pages don’t mention HSAs or FSAs, and eligibility lists treat prescribed ED medication as eligible. For testosterone, Hims says it doesn’t take HSA or FSA plans as payment. Our Hims ED review covers ED pricing.

Checking Eligibility and Getting a Receipt for Reimbursement

If you’re planning to use HSA or FSA money for Hims, check with your plan administrator before placing the order. Hims recommends paying by credit or debit card and claiming reimbursement afterward, and it says an HSA or FSA card can’t be the payment method on file.113

Note that guidance is written only for weight loss; Hims publishes nothing on cards for mental health, ED, or hair loss.

1. Ask your plan administrator whether the specific medication qualifies, naming the drug and what it treats.
2. Pay Hims with a credit or debit card.
3. Log in to your Hims account and open the Orders tab, where Hims says weight loss customers can download a receipt.⁷
4. Submit it through your administrator’s claim process. The IRS expects you to keep records showing HSA money went to qualified expenses.⁴
5. If the receipt lacks detail, ask Hims through secure messaging, and keep your card statement and order history.

Getting the right documentation may be the tricky part. Trustpilot reviewers from 2023 to 2026 describe asking Hims for itemized receipts or a letter of medical necessity without success. Other users say the receipt download in their account worked.

Start a Hims mental health assessment

Does Hims Accept Medicare or Medicaid?

Hims‘ mental health FAQ says it doesn’t accept Medicare or Medicaid, and its terms say it isn’t enrolled with any federal or state health program.³¹ That includes Original Medicare, Medicare Advantage, Part D, and every Medicaid program, including Medi-Cal. Hims also doesn’t accept commercial plans such as Aetna, Cigna, or UnitedHealthcare.

If you’re looking for online psychiatry that accepts government insurance, Brightside accepts some Medicare and Medicaid plans. Talkiatry accepts Original Medicare Part B and select Medicare Advantage plans, which vary by state, but it doesn’t accept Medicaid.

Psychiatry That Will Bill Your Insurance

Three partners bill insurance for mental health medication management. The following information was checked on each company’s site September 25, 2026.

• Talkiatry is insurance-only and is in network with Aetna, Blue Cross Blue Shield, Cigna, Humana, Oscar, UnitedHealthcare, Optum, and ComPsych. It confirms your network status before the first visit and covers that visit if it gets it wrong. Most patients pay ~$30.
• Brightside takes insurance or self-pay. Its psychiatry plan is $95 a month plus your pharmacy copay, and it accepts HSA and FSA cards at payment.
• Talkspace adds therapy. Insured members pay an average ~$15 copay for psychiatry. If Talkspace is out of network with your plan, it provides superbills for reimbursement.

There is also another option if you want to use Hims for the prescription but not the pharmacy. Hims’ terms let you send a Hims prescription to any pharmacy you choose and pay that pharmacy directly.¹ Active members can transfer a prescription out, which usually takes 1 to 3 days. That pharmacy may be able to bill your drug coverage, but Hims doesn’t say so.

What Hims Costs Without Insurance

Hims‘ mental health medication starts at $49 a month, including sertraline, bupropion XL, escitalopram, and fluoxetine. The price includes the provider evaluation, unlimited dose adjustments, follow-ups, and shipping. Plans are paid upfront in full, and Hims doesn’t show the plan lengths or total cost before you start an intake. Hims treats depression and anxiety only and doesn’t prescribe controlled substances.

For comparison, the average specialist copay was $45 in the 2025 KFF employer survey, and 88% of workers with single coverage had a general deductible, averaging $1,886.⁸ Until you meet your deductible, you may have to pay the full cost of a psychiatrist visit. In that situation, a $49 monthly plan that includes the prescriber can cost less than one visit plus a pharmacy copay.

The medication itself costs less elsewhere. Mark Cuban Cost Plus Drugs lists 30 sertraline 50 mg tablets at $5.69 and 30 bupropion XL 150 mg tablets at $6.00, plus $5.25 shipping, with a prescription.

See Hims’ $49 mental health plans

Using Your Plan’s Own Psychiatrists and Pharmacy

Your insurance directory lists psychiatrists who bill your plan, and a prescription from one of them can be filled at a local pharmacy through your drug benefit. This route gives you in-person visits and access to a clinician who treats conditions beyond depression and anxiety. Reviewers with drug coverage often report that a generic medication through their own doctor costs less than the Hims subscription.

The bigger issue can be finding an available psychiatrist. Researchers for a 2023 General Hospital Psychiatry study phoned 948 psychiatrists on Medicaid and private-plan lists in five states during 2022. Only 18.5% could book a new patient, and the median first opening was 67 days out for an office visit, compared with 43 days for telepsychiatry.⁹

Senate Finance Committee staff had a similar experience when they phoned 120 mental health listings from Medicare Advantage directories for a May 2023 report. They could book an appointment on only 18% of the calls.¹⁰ HHS’s inspector general reported in 2025 that 45% of surveyed behavioral health providers weren’t available to new traditional Medicare, Medicare Advantage, or Medicaid managed care patients.¹¹

Hims says a provider answered a psychiatric intake in about 12 hours on average from May 2022 to May 2023.

If you’re in crisis or thinking about harming yourself, call or text 988. Online medication services are not emergency care.

Our Hims mental health review covers the provider experience.