Can you use your HSA or FSA for Life Time?
Not at the front desk — benefits cards decline at gym merchants. But a Letter of Medical Necessity from a physician, tying your Life Time membership to a diagnosed condition, makes the fees reimbursable from an HSA or FSA — and at Life Time’s pricing the 30–40% pre-tax saving is substantial.
What you need
- A qualifying diagnosed condition (obesity, hypertension, prediabetes, high cholesterol, joint or back conditions, depression, anxiety, and similar)
- A Letter of Medical Necessity dated before the claimed period
- Itemized dues statements from your Life Time account
The steps, in order
- Letter first
- Keep paying normally; download itemized statements
- Submit letter + statements to your administrator, or self-reimburse from an HSA with both retained
- 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
The eligible portion is the member with the qualifying diagnosis. Claim that member’s share, not the family total.
When the letter names them as part of the prescribed exercise treatment, they can. The base membership is the cleanest claim.
Reimbursement runs from the letter’s date forward. Get the letter now and claim the months after it, not before.