Tissue repairThe care & cost guideKeep the questions
Care & cost guidePayment terms

What am I agreeing to pay?

Read the payment terms with the care plan beside them. Ask where each charge begins and ends.

Get the recurring-charge terms in writing.

Ask when a charge repeats and how to end it. Keep those terms with the care quote.

  • When does the next charge happen?
  • How do I end the plan?
  • Does ending the plan also end medicine charges?
  • What part can be refunded if no medicine is prescribed?
  • What is owed if insurance refuses payment?

Ask before using a health spending account.

A health savings account (HSA) holds money set aside for medical costs, as does a flexible spending arrangement (FSA).

The Internal Revenue Service (IRS) sets the tax rules used for these accounts.

Evidence note

The tax test concerns the purpose of the expense.

As of September 2026, tax rules distinguish treatment for a diagnosed disease from spending meant only for general health.

Ask the company that runs your HSA or FSA which parts of the care plan qualify and what proof it needs. Use your account paperwork to find its contact details.

Ask about the purpose of your proposed tissue-repair care and the proof needed for that expense.

IRS: read the medical-expense rulesIRS: read about health savings accounts

Ask who wants a medical-need letter.

A letter of medical necessity is a note written by the person treating you to explain why a medical expense is needed.

As of September 2026, the IRS rules checked do not require a letter with that name. The company running your HSA or FSA may ask for one.

Ask the company running your account what the note must say. Then ask the clinic whether writing that note costs extra.

Look closely at demands about how to pay.

The Federal Trade Commission (FTC) is the US consumer-protection agency.

Evidence note

A forced payment method needs a pause.

As of September 2026, FTC warns about sellers who demand payment only by bank or wire transfer, a payment app, gift card or cryptocurrency. Cryptocurrency is a kind of digital money.

Ask for payment terms you can read before sending money.

FTC: why the payment demand matters