Getting reimbursed
You’ve got your letter. Here’s how to get your money back.
Your Letter of Medical Necessity turns your gym membership into a qualified medical expense. Here’s exactly what to do with it — the three ways people actually get reimbursed.
What you’ll need
1
Your signed Letter of Medical Necessity
The PDF we emailed you. It states your qualifying diagnosis, the ICD-10 code, and the IRC §213(d) basis — everything your plan needs to treat the gym as medical care.
2
An itemized gym receipt
A receipt or statement from the gym showing the gym's name, the date, and the amount you paid. Not a credit-card or bank statement — administrators want the itemized receipt from the gym itself.
Three ways to submit
Pick whichever your plan supports — most support all three.
01Most common
File a claim in your plan’s online portal
Log into your FSA/HSA administrator — Optum, HealthEquity, WEX, FSAFEDS, HSA Bank, Lively, and most others. Find “File a Claim” or “Request Reimbursement,” upload your letter and the itemized receipt, and the money is deposited to your bank, usually within a few business days.
02Fastest each month
Use your administrator’s mobile app
The same claim, from your phone. Open your plan’s app, start a reimbursement, snap a photo of your receipt and your letter, and submit. Easiest for a monthly membership — just do it each time you’re charged.
03Pay at the gym
Pay with your FSA/HSA debit card
Some plans let you pay the gym directly with your benefits card. Because a gym isn’t an auto-approved expense, your administrator will usually ask you to “substantiate” the charge — just upload your letter and receipt when prompted. If the card is declined at the gym, use the online claim instead.
A few things to keep in mind
- ·Save each monthly receipt together with your letter — submit as you go, or batch a few at once.
- ·Your letter is valid for 12 months. Renew it each year while you’re still using the membership — we’ll prompt you when it’s time.
- ·Every plan is a little different. If you’re unsure what your administrator needs, their support line can confirm — but a physician’s letter plus an itemized receipt is the standard combination.
Don’t have your letter yet?
A board-certified physician reviews your case and signs it — usually the same day.
Get my letter →