No, LMNT is not eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is LMNT Not FSA/HSA Eligible?
LMNT, a popular electrolyte drink mix, is not eligible for reimbursement under a Flexible Spending Account (FSA) or Health Savings Account (HSA) because it is classified as a general wellness product rather than a medical necessity. According to IRS guidelines and SIGIS standards, expenses for dietary supplements or products primarily intended to support general health are not considered qualified medical expenses unless they are specifically prescribed to treat a medical condition.
While LMNT provides electrolytes and hydration support, it is marketed for general use, including fitness performance and overall hydration, rather than for treating or managing a diagnosed medical condition. Products like LMNT fail to meet the "but for" test, meaning the expense would not have been incurred "but for" a medical condition. Without clear medical necessity or treatment-related intent, it is categorized as ineligible.
What Supplements Are FSA/HSA Eligible?
Certain supplements may qualify for FSA/HSA reimbursement if they are deemed medically necessary by a healthcare provider and are used to treat a specific medical condition. Examples of eligible supplements include:
Glucosamine and Chondroitin: Typically used to treat arthritis or joint pain, these are explicitly recognized as eligible medical expenses.
Fiber Laxatives: Soluble fiber supplements, such as psyllium or methylcellulose, are eligible when used to treat constipation or related conditions.
Prenatal Vitamins: Essential for supporting the health of pregnant individuals and the development of the fetus, these are eligible under FSA/HSA guidelines.
Specialized Nutritional Products: Products prescribed for specific medical conditions, such as medical-grade nutritional shakes for malnutrition or supplements for conditions like anemia, may qualify with a Letter of Medical Necessity (LMN).
To ensure eligibility, supplements must be prescribed or recommended by a healthcare provider to treat a specific medical condition, and it may be necessary to submit an LMN to your FSA/HSA provider for reimbursement. Always consult the SIGIS Eligible Products List and your plan administrator for the most up-to-date and detailed guidance.
