Don’t Let Your FSA Funds Expire: Use Them for Stem Cell Therapy Before Year’s End

The clock is ticking. If you have money sitting in your Flexible Spending Account (FSA), you’re likely aware that most of those funds disappear if you don’t use them by December 31st. Rather than scrambling to spend your hard-earned healthcare dollars on items you don’t really need, why not invest in something that could genuinely transform your health and quality of life?

At the Stem Cell & PRP Institute of L.A., Dr. Padra Nourparvar helps patients throughout Beverly Hills and greater Los Angeles use their FSA funds strategically for regenerative medicine treatments that address the root cause of chronic pain, inflammation, and degenerative conditions. If you’ve been considering stem cell therapy, PRP injections, or other regenerative treatments, the end of the year presents the perfect opportunity to take action.

Understanding Your FSA and the Year-End Deadline
A Flexible Spending Account allows you to set aside pre-tax dollars specifically for qualifying medical expenses. The catch? Most FSA plans operate on a “use it or lose it” basis. Any funds remaining in your account at the end of the plan year—typically December 31st—are forfeited. Some employers offer a grace period of up to 2.5 months or allow you to roll over a small amount (up to $640 in 2024), but many plans don’t include these options.

This means thousands of dollars you’ve already earned and allocated for healthcare could simply vanish if you don’t put them to good use. Rather than losing this money or spending it on items you’ll never use, consider directing those funds toward treatments that offer lasting benefits—like regenerative stem cell therapy.

Why Stem Cell Therapy Is a Smart Use of Your FSA

Stem cell therapy and other regenerative treatments represent an investment in your long-term health. Unlike temporary solutions that mask symptoms, regenerative medicine works with your body’s natural healing mechanisms to repair damaged tissue, reduce inflammation, and restore function at the cellular level.

Under the care of Dr. Padra Nourparvar—a board-certified physician with advanced training from UCLA, UC Irvine, NYU, CHLA, and Mount Sinai—patients at the Stem Cell & PRP Institute of L.A. receive access to cutting-edge regenerative treatments for a wide range of conditions. Whether you’re dealing with chronic joint pain, sports injuries, autoimmune conditions, neurological concerns, or cosmetic rejuvenation goals, your FSA funds can help cover these transformative therapies.

Qualifying Treatments You Can Use FSA Funds For

The Stem Cell & PRP Institute of L.A. offers numerous regenerative treatments that may qualify for FSA reimbursement when prescribed for legitimate medical purposes:

• Stem Cell Therapies: Including cord blood, Wharton’s jelly, adipose (fat-derived), and bone marrow stem cell treatments for joint degeneration, chronic pain, and systemic conditions.
• PRP (Platelet-Rich Plasma) Therapy: Uses your own blood’s healing factors to accelerate tissue repair for injuries, arthritis, and hair restoration.
• Exosome Therapy: Advanced biologics that deliver powerful regenerative signals to damaged cells throughout the body.
• IV Vitamin and NAD+ Therapy: Supports cellular health, energy production, and immune function.
• Shockwave Therapy: Non-invasive treatment for tendonitis, chronic pain, and musculoskeletal conditions.

Act Now to Schedule Before the Deadline

With the end of the year approaching quickly, appointment availability becomes limited as other patients also rush to use their expiring benefits. The sooner you schedule your consultation, the better your chances of completing treatment—and submitting for reimbursement—before your FSA deadline passes.

During your initial consultation, Dr. Nourparvar will evaluate your condition, discuss your health goals, and recommend the most appropriate regenerative treatment protocol. You’ll receive detailed documentation of your treatment that can be submitted to your FSA administrator for reimbursement.

How Stem Cell Payments Can Work Toward Your Insurance Deductible

Beyond FSA benefits, there’s another financial advantage many patients don’t realize: your out-of-pocket payments for stem cell therapy may count toward meeting your insurance deductible, potentially reducing your costs for other medical care throughout the year.

If your health insurance plan includes out-of-network (OON) benefits, payments you make for regenerative treatments can count toward your OON deductible and out-of-pocket maximum. While these limits are typically higher than in-network limits, reaching them means your insurance may cover a greater portion of subsequent medical expenses.

Understanding How Out-of-Network Benefits Work

Navigating insurance benefits can be confusing, so here’s a clear breakdown of how out-of-network payments typically apply to your coverage:

• Separate Limits Exist: Most insurance plans with out-of-network coverage maintain different deductibles and out-of-pocket maximums for OON services. These are usually higher than your in-network limits, but they still provide a ceiling on your annual medical expenses.
• OON Payments Count Toward OON Limits: Money you pay for out-of-network care—including stem cell treatments—counts toward your OON deductible and OON out-of-pocket maximum, not your in-network amounts.
• In-Network and OON Are Typically Separate: Payments for in-network care generally don’t count toward your OON deductible, and vice versa. Each track operates independently in most plans.
• Emergency Care Exception: Thanks to federal rules like the No Surprises Act, out-of-network emergency care always counts toward your in-network limits, protecting you from unexpected bills during medical emergencies.

By understanding these dynamics, you can make more informed decisions about timing your regenerative treatments. If you’ve already incurred significant OON expenses this year, adding stem cell therapy could push you past your OON deductible—meaning better coverage for any additional care you need.

Maximize Every Healthcare Dollar

Between expiring FSA funds and the opportunity to meet your deductible before the year resets, the end of the year represents a unique window to get the most value from your healthcare spending. Regenerative treatments like stem cell therapy aren’t just another medical expense—they’re an investment in reducing pain, restoring function, and improving your quality of life for years to come.

Dr. Nourparvar and the team at the Stem Cell & PRP Institute of L.A. are committed to helping patients navigate both the medical and financial aspects of regenerative care. Our staff can provide the documentation you need for FSA reimbursement and help you understand how your treatment costs may apply to your insurance benefits.

Schedule Your Consultation in Beverly Hills Today

Don’t let your FSA dollars disappear or miss the opportunity to maximize your insurance benefits before they reset. At the Stem Cell & PRP Institute of L.A., located in the Cedars Sinai Medical Office Towers, Dr. Padra Nourparvar offers personalized regenerative medicine solutions backed by elite medical training and award-winning research.

Contact our office at (310) 361-5480 to schedule your consultation. Whether you’re exploring stem cell therapy for chronic pain, joint degeneration, neurological conditions, or cosmetic concerns, we’ll help you understand your options and put your healthcare benefits to work for lasting results.