Personal Trainer: HSA Eligibility

Personal Trainer: requires a Letter of Medical Necessity (LMN) to be eligible with a Health Savings Account (HSA)
A personal trainer may be eligible for the treatment of a medical condition with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Personal trainer reimbursement is not eligible with a limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).

Not eligible for general use and well-being.

What is a personal trainer?

Proper diet and exercise are vital for our ability to feel good and stay healthy for years to come, but for some individuals who suffer from ailments that may make eating more specialized and exercise more difficult, enlisting the services of a personal trainer is one of the few ways they can get the personalized attention and specifically tailored plan to meet their needs.

Personal trainers are fitness professionals who specialize in exercise prescription and instruction in programs that are uniquely designed for their clients' needs. Trainers can assess their clients' strengths and weaknesses through standard fitness assessments, and they can design a program for a client that establishes goals that helps them see tangible progress. Perhaps, above all, personal trainers are a welcome source of motivation that can push their clients to embrace a healthier lifestyle and work harder to reach their fitness goals without long bouts of inactivity (National Federation of Personal Trainers).

How do I obtain a Letter of Medical Necessity (LMN) for a personal trainer?

In some cases, a medical professional may recommend the services of a personal trainer for a variety of purposes, such as diabetes management or extreme obesity. If a physician believes that this could have a positive benefit for the treatment of a medical condition, a Letter of Medical Necessity (LMN) is necessary for reimbursement through a consumer-directed healthcare account.

A Letter of Medical Necessity (LMN) for a personal trainer is necessary for reimbursement with most benefits providers to ensure that it is necessary for the treatment of a medical condition. This letter must outline how an account holder's medical condition necessitates a personal trainer, how the treatment will be used to alleviate the issue and how long the treatment will last. If the treatment plan exceeds the current plan year, another LMN will have to be provided to the benefits administrator to cover the duration of the treatment.

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