Conditional
Requires Letter of Medical Necessity (LOMN)
Is Gym Membership FSA/HSA Eligible?
Retail Price
$50
You Save (Pre-Tax)
$15
Your Cost (After Tax Savings)
$35
* Based on 30% marginal tax rate. Adjust your rate below for accurate savings.
How to Get Approved
Requires diagnosis of obesity, diabetes, heart disease, or other condition where exercise is medically prescribed. Letter must state structured exercise program is part of treatment plan - not general wellness.
Don't have a doctor?
Get instant approval online for $30. Skip the appointment — a licensed physician reviews your request and issues your LOMN within 24-48 hours.
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Free LOMN Template
Copy this template and bring it to your doctor. They'll need to customize it with your diagnosis and sign it.
Submit the signed letter to your FSA/HSA administrator along with your receipt.
Tax Savings Calculator
Retail Price
$50
Tax Savings
$15
You Pay
$35
By using FSA/HSA funds, you're paying with pre-tax dollars. This means you effectively save your marginal tax rate (30%) on every purchase. The higher your tax bracket, the more you save.
Don't have a doctor?
Get instant approval online for $30