Use Your HSA/FSA for Coaching
Lower your out-of-pocket cost with pre-tax dollars. Yes—personal training & nutrition coaching can qualify with a doctor’s LMN.
How It Works (Fast Version)
- Download the LMN form. Your doctor signs it to confirm coaching is medically necessary.
- Pay as usual (card, Apple Pay, or HSA/FSA card).
- Submit your receipt + LMN to your HSA/FSA administrator for reimbursement (if not paid with HSA/FSA card).
Why This Helps
- Use pre-tax dollars → effectively ~20–30% off for many people.
- Works for weight management, metabolic health, BP, lipids, joint health, and more—when prescribed.
- Simple paperwork; we provide compliant receipts.
What We Provide for Your Reimbursement
- Detailed receipts with business name, EIN, dates of service, session/package description, and paid amount.
- Program summary matching your LMN (e.g., “12-week personal training & nutrition coaching”).
- Support if your administrator asks for clarification.
Two Ways to Pay with HSA/FSA
Use any card. We email your receipt. You upload receipt + LMN to your HSA/FSA portal and get reimbursed.
If your plan issues a debit card, you can often pay us directly. Keep your LMN on file in case they request it.
FAQ
What is an LMN?
A “Letter of Medical Necessity” signed by your licensed provider stating that coaching is needed to treat a specific condition or risk (e.g., obesity, insulin resistance, hypertension, hyperlipidemia, joint pain).
Who can sign the LMN?
Typically your MD/DO, NP, PA, or other licensed provider covered by your plan. Ask your administrator if unsure.
Do I need to renew the LMN?
Most plans require renewal annually or when the treatment plan changes. Check your plan rules.
Is approval guaranteed?
No—administrators decide based on your plan and documentation. We’ll make the paperwork airtight on our side.
What if my claim is denied?
We’ll revise the invoice or program summary if the administrator requests specifics. You can also appeal with your provider’s support.