Letter of Medical Necessity for HealthEquity
HealthEquity publicly documents that it accepts Letters of Medical Necessity for expenses like gym memberships when the letter ties the expense to a diagnosed medical condition — and it treats an LMN as valid for up to 12 months, after which you need a new one.
What HealthEquity requires
- The diagnosed condition the expense treats, stated in the letter
- The specific recommended item or service (for example, a gym membership or exercise program)
- A licensed provider’s signature and credentials
- A duration — HealthEquity caps an LMN at 12 months
The steps, in order
- Get the letter first — reimbursement runs from the letter’s date forward
- Pay for the expense yourself and keep the itemized receipt (benefits cards usually decline at gyms)
- Submit the claim in the HealthEquity member portal with the letter and receipt attached
- Renew the letter every 12 months if you keep claiming the expense
Source: HealthEquity: Letter of Medical Necessity (help center). Policies change and employer plan designs vary — your administrator makes the final reimbursement decision. This page is general information, not tax or medical advice.
A board-certified physician reviews your health profile and, when clinically appropriate, issues a signed Letter of Medical Necessity the same day — with the diagnosis, ICD-10 code, duration, NPI and license your administratorlooks for. $69, full refund if a letter isn’t issued. The eligibility check is free.
Check if I qualify →Common questions
HealthEquity treats a Letter of Medical Necessity as valid for up to 12 months. If you keep claiming the expense after that, submit a renewed letter.
Usually not. Gyms are coded as non-healthcare merchants, so benefits cards are typically declined at the terminal regardless of your documentation. Pay out of pocket and submit a claim instead.
No. HealthEquity reviews each claim, and an employer’s plan design can exclude specific expenses. A complete, specific letter is what gives the claim its best chance.