Weight loss products are typically not eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA). However, in specific cases, certain products may qualify with a Letter of Medical Necessity (LMN) if prescribed to treat a diagnosed medical condition such as obesity, hypertension, or heart disease.
Why Are Weight Loss Products Not FSA/HSA Eligible?
Most weight loss products are marketed for general health, fitness, or appearance, not for the treatment of a medical condition. Under IRS Code Section 213(d), medical expenses must be primarily for diagnosing, treating, or preventing a disease.
According to IRS Publication 502, “You can’t include the cost of diet food or beverages” because these items are considered substitutes for normal nutrition. Therefore, over-the-counter weight loss products—including meal replacements, herbal supplements, and appetite suppressants—do not qualify as eligible expenses unless they are specifically prescribed for a medical condition.
What’s Not Covered?
Over-the-counter weight loss pills or appetite suppressants
Protein shakes, meal replacement bars, or powders
Herbal and detox teas marketed for weight loss
Fitness-related supplements or fat burners
Weight loss programs focused on appearance or general wellness
LMN and Exceptions
Some weight loss products or programs may qualify if they are prescribed to treat a specific diagnosed medical condition such as obesity, diabetes, or hypertension. In these cases, reimbursement may be possible if:
The expense is primarily for medical care, not general health; and
The treatment is prescribed and documented by a licensed medical provider.
Examples that may qualify with proper documentation:
Prescription-only weight loss medications (e.g., Wegovy, Ozempic, Contrave)
Physician-prescribed nutritional replacements used under medical supervision
Medically supervised weight management programs
To pursue reimbursement:
Obtain a physician’s diagnosis and a Letter of Medical Necessity (LMN) specifying the condition being treated and the product or program recommended.
Submit the LMN along with itemized receipts to your FSA/HSA administrator.
Retain all documentation, including prescriptions and physician notes, for your records.
Without an LMN, all over-the-counter or cosmetic weight loss products remain ineligible for reimbursement.
