Letter of Medical Necessity for Lively
Lively’s eligibility list treats fitness programs as eligible when supported by a Letter of Medical Necessity — the letter converts the membership from a general-wellness expense into treatment for a specific diagnosed condition.
What Lively requires
- A Letter of Medical Necessity naming the diagnosis and the fitness program
- The provider’s signature, credentials, and a duration
- Itemized receipts for each period you claim
The steps, in order
- Get the letter before the membership period you plan to claim
- Pay out of pocket; keep the receipts
- For a Lively FSA: submit the claim with the letter attached. For a Lively HSA: reimburse yourself and retain the documentation
- Renew the letter each year
Source: Lively: fitness programs eligibility. 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
For FSAs, Lively substantiates claims when you submit them. For HSAs there is usually no upfront review — you keep the letter and receipts as your audit documentation.
Yes, when the letter names it. A treadmill or home-gym purchase follows the same rule: diagnosis, named expense, letter dated before the purchase.
Commonly: obesity, high blood pressure, prediabetes or type-2 diabetes, high cholesterol, osteoarthritis, chronic back pain, depression, anxiety. A physician still has to judge that exercise is appropriate treatment for you specifically.