HSA/FSA Coverage for Fitness Wearables

Do you have questions about an upcoming leave, FSA/HSA reimbursements, dental insurance, MedRe benefits, or claims? Just Ask Rob! 🗣️

Our new #AskRob feature connects you directly with expert answers to help you navigate your benefits with confidence. Whether it’s FMLA, PFL, or your dental plan, Rob is here to clear up the confusion.

Question: Hi Rob! It’s warming up outside and I want to start exercising more. I’d like to track my fitness progress, but high-quality wearables are expensive. Can I use my FSA or HAS funds to buy one?

Rob’s Answer: This is a popular question! According to IRS Publication 502, for an item to be eligible for reimbursement, it must alleviate or prevent a physical or mental illness or disability.

Because smartwatches and rings are typically considered “general health” or lifestyle devices, they aren’t automatically covered. However, there is a way! If your doctor provides a Letter of Medical Necessity (LMN) stating the device is required to manage a specific condition—such as obesity, cardiovascular disease, or a sleep disorder—it may become eligible for reimbursement. 🩺

Your LMN should clearly include:

• A Diagnosis: (e.g., Hypertension or Obesity).
• The Purpose: How the device supports your treatment (e.g., monitoring heart rate or activity levels).
• The Necessity: Why this specific device is an essential part of your medical plan.

Commonly covered devices (with an LMN):

• ⌚ Smartwatches: Apple Watch, Google Pixel Watch, Samsung Galaxy, Fitbit Sense.
• 💍 Smart Rings: Oura Ring, Samsung Galaxy Ring.
• 🏃 Fitness Bands: WHOOP, Fitbit Charge, and other popular trackers.

Rob’s Practical Steps to Getting Reimbursed:

1. Consult your doctor: Secure your LMN from a licensed clinician.
2. Verify your specific plan: Some employers or insurers have unique requirements or specific excluded brands.
3. Purchase & File: Buy your device and submit the claim through your FSA/HSA portal.
4. Save Everything: Keep your LMN and your itemized receipt in a safe place in case of a claim review!

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