Did You Know?

 

A Health Reimbursement Arrangement (HRA) or Health Savings Account (HSA) can reimburse personal training costs, but only if the training is deemed a "qualified medical expense" by the IRS. This generally requires a Letter of Medical Necessity (LMN) from a doctor.  Personal training for general fitness is usually not eligible.

 

When personal training may be eligible for reimbursement:

 

Reach out to your health insurance provider to determine what qualifies as an eligible medical expense. Typically, personal training must be part of a treatment plan for a specific, diagnosed medical condition.

 

When personal training may not be eligible:

 

If personal training does not meet the "medically necessary' criteria, it may not be reimbursed.

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• General health and wellness: Costs for exercise to improve general health are not considered medical expenses by the IRS.

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• Routine weight loss: The cost of personal training for general weight loss is typically not covered.

 

• Aesthetic goals: Training for aesthetic or non- medical reasons is typically not eligible.

 

How to request reimbursement:

 

If you believe your personal training qualifies as a medical expense, reach out to your health insurance provider for steps to request reimbursement.

 

Please confirm your plan details:

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Because HRAs/HSAs are provided by your employer, the specific rules for your account are determined by your plan.  Contact your health insurance provider or your employer's HR department to confirm the reimbursement process and any special requirements!

 

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