Can you use your HSA or FSA for LA Fitness?
Not directly at the register — benefits cards decline at gym terminals because of merchant coding. The working path: a physician documents that exercise treats a diagnosed condition of yours in a Letter of Medical Necessity, you keep paying LA Fitness normally, and you claim the fees back from your HSA or FSA.
What you need
- A genuine diagnosed condition that structured exercise treats
- A Letter of Medical Necessity with the diagnosis, the membership named, a duration, and a physician’s signature
- Itemized membership billing records
The steps, in order
- Letter first — before the membership period you want reimbursed
- Pay LA Fitness as usual and save itemized statements
- Submit letter + statements to your administrator (or self-reimburse from an HSA, keeping both on file)
- Renew annually
Source: Bank of America (merchant): why benefits cards decline at gyms. 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 planlooks for. $69, full refund if a letter isn’t issued. The eligibility check is free.
Check if I qualify →Common questions
Only the member with the qualifying diagnosis. Administrators reimburse the eligible member’s portion, and some (like FSAFEDS) explicitly require an individual contract.
Check the reason: vague letters, missing dates, and pre-letter expenses are the fixable causes; some employer plans exclude gym reimbursement outright. If a MedSlip letter is denied, send us the written denial and we refund the letter.
They can, when the letter names supervised exercise or personal training as the prescribed treatment. See our personal training guide for the specifics.