FSA/HSA Eligible Programs
Take Charge of Your Health with Tax-Free FSA/HSA Dollars
Yes, you can use your FSA or HSA to pay for qualified health and fitness coaching programs.
If your doctor provides a Letter of Medical Necessity for conditions like arthritis, diabetes, heart disease, or obesity, your coaching may qualify for reimbursement. I offer personalized, FSA-eligible programs to help you build strength, improve energy, and support your health—using pre-tax dollars.
Yes! Your Health Coaching Can Be FSA/HSA Eligible
Signature 1:1
Use FSA / HSA funds to help cover the cost of the Signature Transformation program. This program includes an intensive assessment followed by customized action planning designed for multiple goals and lifestyle transformation.
Laser Coaching
Use FSA / HSA funds to help cover the cost of a Laser Coaching Program. Laser coaching is hyper-focused, one goal, 10 weeks, 20 minute sessions. It is perfect for busy clients looking to make a change in their life.
Self-paced
Use FSA / HSA funds to cover self-paced and group programs targeting specific goals. These cost-effective programs have optional 1:1 or group meetings and offer the freedom to use materials to make progress at any pace. This is especially helpful for people with limited availability.
Meet Your Coach
Former startup executive, healthcare consultant and technical trainer, I became coach because it is my passion to bring others with me on the path to better balance, fitness, wealth and well-being.
I work with clients who are motivated to make a shift in their life by helping them identify steps to take and the many potential gotchas and blockers that might be holding them back. Together we walk that bold path to reach vibrant, healthy, fulfilling lives.
I am a Certified Personal Trainer, Corrective Exercise Specialist, and a Board Certified Health and Wellness Coach. These credentials reflect my commitment to excellence. Certification means I have completed rigorous training, passed written and practical exams, and I follow strict ethical standards, so you can trust you are getting safe, effective, and professional guidance.
Why and How to use FSA or
HSA Funds for Coaching
Did you know that your Flexible Spending Account (FSA) or Health Savings Account (HSA) can often cover the cost of personal training or health coaching—if your doctor recommends it for a medical condition?
Your FSA (Flexible Spending Account) or HSA (Health Savings Account) is money you’ve already set aside for health-related expenses.
These accounts are designed to help you pay for qualified medical services—using pre-tax dollars, which means you can save money while improving your health.
Depending on your plan, health coaching and fitness training may qualify as eligible expenses when they are recommended by a healthcare provider for specific health conditions.
Does fitness or health coaching qualify?
Your FSA or HSA can often be used to cover health or fitness coaching when it’s medically necessary for conditions such as:
Arthritis or joint pain
Diabetes or pre-diabetes
Heart disease or high blood pressure
Obesity or metabolic concerns
Post-surgery recovery
Chronic conditions (fibromyalgia, chronic fatigue, etc.)
These programs help improve strength, mobility, and metabolic health—important parts of managing chronic conditions and reducing symptoms.
What is a Letter of Medical Necessity (LMN)?
To use your FSA/HSA for coaching or fitness programs, your provider may require a Letter of Medical Necessity (LMN).
An LMN is a note from your doctor or healthcare provider that:
States your diagnosis or condition
Recommends a health or fitness coaching program as part of your treatment plan
Explains how this program will support your medical care
💡 Tip: You can usually request this letter during your next doctor’s appointment. I’m happy to provide a sample template you can share with your provider to make the process easy.
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FREQUENTLY ASKED QUESTIONS
DO I NEED TO DO ANYTHING SPECIAL TO BE REIMBURSED BY FSA/HSA?
Yes, depending on the company that runs your FSA/HSA program, you may need to get a letter of medical necessity (LMN) from your doctor. You will pay for the coaching program and submit a receipt with the LMN for reimbursement. You will not be able to pay for the coaching program with an FSA/HSA card, but if approved by your FSA/HSA plan, you will be reimbursed for all or part of your purchase, depending on your plan details. Contact your FSA/HSA provider for additional details.
WHAT TYPES OF COACHING AND PERSONAL TRAINING IS TYPICALLY REIMBURSABLE?
Coaching and personal training that supports prevention, maintenance or improvement of a medical condition can be reimbursed by FSA/HSA plans with a letter of medical necessity (LMN). These programs can include support for:
- Diabetes, pre-diabetes
- Hypertension
- Heart Disease
- Osteoporosis
- Arthritis
- Chronic Pain
- Surgery preparation or recovery
- Others as well if approved by your FSA/HSA plan and you have a letter of medical necessity.
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