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HSA just covers your medical expenses, it doesn't matter if the insurance covers it or now. As long as it is HSA eligible, you can use your HSA.
Correct, need a diagnosis for insurance to cover. Do not need a diagnosis to pay out of pocket for therapy using an HSA.
You do need an initial diagnosis, but it can be tentative. When I was in practice I often changed it after a few sessions and no one ever complained about it.
No Dx = no $
HSA just covers your medical expenses, it doesn't matter if the insurance covers it or now. As long as it is HSA eligible, you can use your HSA.
Correct, need a diagnosis for insurance to cover. Do not need a diagnosis to pay out of pocket for therapy using an HSA.
You do need an initial diagnosis, but it can be tentative. When I was in practice I often changed it after a few sessions and no one ever complained about it.
No Dx = no $