You can pay for sessions using an HSA, FSA, or HRA.

You can use an HSA (Health Savings Account), FSA (Flexible Spending Account), or HRA (Health Reimbursement Account) to pay for your sessions, though keep in mind that couples or family counseling may not meet medical necessity standards.

DCFSA (Dependent Care FSA) and Limited Purpose FSA accounts do not cover therapy.

Unfortunately, none of these spend accounts can be used for any late cancelation or no-show fees.