Using HSA or FSA Funds
What to Know Before You Decide
Some clients ask whether Health Savings Account (HSA) or Flexible Spending Account (FSA) funds can be used toward one-on-one training. The short answer is: sometimes, depending on your situation and your plan.
Here’s how that typically works, so you can decide whether it’s worth exploring:
When training may be eligible
HSA or FSA funds are generally intended for medical expenses, not general wellness or fitness.
In some cases, exercise services may be eligible when all of the following are true:
- You have a diagnosed medical condition (for example: obesity, insulin resistance, joint pain, or another condition where exercise is part of care)
- Your healthcare provider determines that supervised exercise is medically necessary
- You obtain a Letter of Medical Necessity (LMN) from a licensed provider (MD, DO, NP, or PA)
- Your specific HSA/FSA plan allows reimbursement under those circumstances
This determination is made by your plan administrator, not by Seventh Remedy.
What a Letter of Medical Necessity is
A Letter of Medical Necessity is a document written and signed by your healthcare provider. It typically includes:
- Your name
- Your diagnosed condition
- A statement that supervised exercise is medically necessary
- The recommended duration (often 6–12 months)
- Provider signature and date
The letter must come from your provider, not from Seventh Remedy.
How payment and reimbursement usually work
Seventh Remedy does not bill insurance or submit HSA/FSA claims.
Most clients who pursue reimbursement follow this process:
- You pay for training as usual
- You receive an invoice and receipt
- You submit those documents, along with your LMN, to your HSA or FSA administrator
- Your plan decides whether to reimburse you
Some plans reimburse easily. Some do not. Approval is not guaranteed.
Important things to understand upfront
- Training at Seventh Remedy is exercise-based coaching, not medical treatment
- Eligibility decisions are made solely by your HSA/FSA administrator
- Denial of reimbursement does not change your financial responsibility for services
- Seventh Remedy cannot contact your plan or advocate on your behalf
Virtual training is allowed
Live, one-on-one training delivered virtually (for example, via Zoom) is generally acceptable when exercise is prescribed as part of care. There is no IRS requirement that exercise services be in-person.
What matters is:
- Individualized programming
- Supervision and guidance
- Clear documentation
Want to learn more?
For general guidance on how medical expenses related to nutrition, wellness, and general health are defined for tax-advantaged accounts, you can review IRS information on medical expenses. This resource explains the framework, but does not guarantee coverage.
If you’re considering using HSA or FSA funds and want help understanding whether this might apply to you, you’re welcome to ask. I’m happy to explain the process and what documentation is typically required.
Seventh Remedy does not guarantee HSA or FSA reimbursement.
All services are paid directly by the client.