No, gym memberships are typically not eligible for Flexible Spending Account (FSA) or Health Savings Account (HSA) funds. However, one may be eligible when accompanied by a Letter of Medical Necessity (LMN).
Why Are Gym Memberships Not FSA/HSA Eligible?
Gym memberships are generally not eligible for reimbursement through a Flexible Spending Account (FSA) or Health Savings Account (HSA) because they are considered general wellness expenses rather than medical necessities. According to IRS guidelines, FSA and HSA funds can only be used for products or services that directly treat, diagnose, or manage a specific condition.
While gym memberships can promote overall fitness and health, they do not inherently address a diagnosed medical issue, which excludes them from eligibility. They are categorized alongside other non-reimbursable expenses such as fitness classes or sports equipment, which are not explicitly prescribed for medical purposes.
An exception can be made if a gym membership is deemed medically necessary by a healthcare provider. For example, if it is prescribed to treat obesity, improve rehabilitation after surgery, or manage a specific condition like chronic pain, it may become eligible with proper documentation, such as a Letter of Medical Necessity (LMN).
How to Obtain a Gym Membership With an FSA/HSA
If your healthcare provider determines that a gym membership is necessary for the treatment or management of a specific health condition, you can use the following steps to utilize your FSA or HSA funds:
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Obtain a Letter of Medical Necessity (LMN):
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Consult your doctor about your condition and request an LMN. The letter should include:
Your diagnosis and medical condition.
The specific reason a gym membership is necessary for your treatment.
The expected duration of your gym use for medical purposes.
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Verify Eligibility with Your FSA/HSA Provider:
Submit the LMN to your FSA or HSA administrator to confirm that the gym membership qualifies for reimbursement.
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Purchase the Membership:
Use your FSA or HSA card to pay for the membership if the gym accepts these payment methods.
If the gym does not accept FSA/HSA cards, pay out-of-pocket and retain your receipt.
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Submit a Reimbursement Request:
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If you paid out-of-pocket, provide your receipt and a copy of the LMN to your FSA or HSA administrator. The receipt must include:
Name of the gym or provider.
Date of the membership purchase or service rendered (must be within the FSA plan year).
Description of the membership or services rendered.
Total cost of the membership.
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Retain Documentation:
Keep a copy of the LMN and receipts for your records in case additional documentation is required.
By following these steps and ensuring your gym membership is explicitly tied to a medical necessity, you may be able to use FSA or HSA funds to support your health and treatment plan. Always confirm eligibility with your provider before making the purchase.
