Conditional
Requires Letter of Medical Necessity (LOMN)
Is Whoop Strap 4.0 FSA/HSA Eligible?
Retail Price
$239
You Save (Pre-Tax)
$72
Your Cost (After Tax Savings)
$167
* Based on 30% marginal tax rate. Adjust your rate below for accurate savings.
How to Get Approved
Requires diagnosis of cardiac condition, sleep disorder, or recovery monitoring need post-injury. Doctor must specify 24/7 health monitoring is medically necessary. Common diagnoses: anxiety disorder, arrhythmia, overtraining syndrome.
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
$239
Tax Savings
$72
You Pay
$167
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