Steps for Using HSA or FSA Funds at Fitness Together

Many clients are able to use their Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for personal training when it is prescribed as a treatment for a specific health condition or prevention plan.

Because every provider and plan is different, we recommend following these steps:

1. Contact Your HSA/FSA Provider

• Ask whether personal training or exercise programs prescribed by a medical provider are eligible for reimbursement under your plan.

• Confirm if there are any spending limits, documentation requirements, or restrictions that apply.

2. Obtain a Letter of Medical Necessity

• Most providers require a Letter of Medical Necessity (LMN) from your physician, nurse practitioner, or other licensed healthcare provider.

• Your HSA/FSA provider will usually have a specific form your doctor must complete.

• The letter should clearly state that personal training is recommended to treat or prevent a specific medical condition (for example: obesity, hypertension, diabetes, back pain, etc.).

3. Submit for Pre-Approval (if required)

• Send the completed LMN to your HSA/FSA provider for review.

• Wait for confirmation that personal training sessions qualify before using your HSA/FSA card for payment.

4. Make Your Payment to Fitness Together

• Once approved, you can use your HSA or FSA debit card directly for payment.

• If your provider requires reimbursement instead of direct payment, pay Fitness Together normally and submit your receipts for reimbursement.

5. Request a Detailed Receipt from Fitness Together (if needed)

• If your HSA/FSA provider needs documentation, we can provide a detailed receipt showing:

  • The type of service (personal training)

  • Dates of purchase or service

  • Amount paid

  • Fitness Together studio information

• Just let us know if your provider has specific formatting or coding requirements so we can tailor your receipt accordingly.

Important Notes

• Approval and eligibility are determined solely by your HSA/FSA provider.

• Fitness Together cannot guarantee reimbursement or pre-approval but will provide any documentation your provider requires.

• Letters of Medical Necessity typically expire after 12 months, so you may need to renew it annually.