HSA & FSA · LICENSED CLINICIAN ISSUED
Letter of Medical Necessity for HSA & FSA
An LMN is a formal document from a licensed clinician establishing why a specific product or service is medically necessary for your diagnosed condition, making it eligible for HSA or FSA reimbursement under IRS Section 213(d).
WHAT IS AN LMN
A clinician-issued document that unlocks your HSA/FSA
An LMN shows that a specific expense is medically appropriate for a patient’s diagnosed condition. This can include a gym membership, fitness equipment, or a wellness program. It’s what makes those expenses eligible for HSA or FSA reimbursement.
Root Cause LMNs are written by state-licensed physicians, nurse practitioners, and physician assistants — the same providers who can write any clinical document.
ICD-10 coded for every determination
Clinician-reviewed
Every LMN is issued by a licensed provider, not an algorithm.
Condition-based
Your diagnosed condition is the foundation, not a wellness claim.
All 50 states
Root Cause providers are licensed across the country.
COMMON USES
What an LMN can make eligible
Fitness + movement
Gym memberships, fitness equipment, and physical therapy programs may qualify when a clinician documents medical necessity for a diagnosed condition. Common examples include hypertension, metabolic disorders, and musculoskeletal conditions.
Recovery + therapy
Red light therapy, cold plunge, sauna, and sleep technology may qualify when tied to a diagnosed condition such as chronic pain, inflammation, or sleep disorders, and supported by a clinician's documented clinical basis.
Nutrition + supplements
Dietary supplements and nutrition coaching may qualify when prescribed for a diagnosed deficiency or condition such as insulin resistance, chronic inflammation, or cardiovascular risk, with documented clinical support.
Want to go deeper?
See how the review process works and which conditions we cover.
A Letter of Medical Necessity is issued only when a licensed clinician determines it is clinically appropriate for a diagnosed condition. It is never guaranteed. Acceptance of documentation for HSA/FSA purposes is always the plan administrator’s decision. This page does not constitute medical advice.