Much of palliative and end-of-life care can be paid pre-tax

This is the least-known HSA/FSA benefit category — and the most consequential. Palliative care specialists, pain management, and durable medical equipment are medical care and generally qualify; home health aides and advance care planning can qualify case by case, and your plan administrator decides. Pre-tax dollars reduce the financial burden on families during the hardest season.

Today: the list below says which palliative and end-of-life care expenses usually qualify as they are and which need a physician's letter; your plan administrator decides. Whether daily help counts as medical care turns on the person, not the purchase.

Is the palliative and end-of-life care covered? The two-minute check, right here

Palliative care — eligible expenses

Document what matters

Create an After Note — a living record of care preferences

An After Note captures what your loved one wants the care team to know — their values, wishes, and the stories that define them. It travels with care and lives in the medical record.

Create an After Note

ComfortCard

Keep all of this in one place.

Keep the receipts, the letters and the answer for each one in the family file, on your own device, with no account.

Open the family file

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HSA/FSA eligibility is determined by your plan administrator, not by ComfortCard or co-op.care. A Letter of Medical Necessity is supporting documentation, not a guarantee of reimbursement, and is issued only when a physician finds it clinically appropriate. This is not tax or legal advice.