HSA & FSA Eligibility Guide — Peak Flow Fitness

Can I Use My HSA or FSA at Peak Flow Fitness?

Yes — certain fitness, recovery, and wellness equipment may qualify as an eligible HSA (Health Savings Account) or FSA (Flexible Spending Account) expense depending on your specific health needs and provider requirements. This guide will walk you through exactly how to do it.

What Is an HSA and FSA?

An HSA and FSA are tax-advantaged accounts that allow you to set aside pre-tax dollars to pay for qualified medical and health-related expenses. When used correctly, they can save you 20–40% on eligible purchases depending on your tax bracket.

• HSA — Available to individuals enrolled in a High Deductible Health Plan (HDHP). Funds roll over year to year and never expire.
• FSA — Available through most employer benefit plans. Funds typically must be used within the plan year or a short grace period.

Which Peak Flow Fitness Products May Qualify?

Eligibility depends on whether the purchase is for a diagnosed medical condition and recommended or prescribed by a licensed healthcare provider. Products that commonly qualify include:

• Massage chairs — for chronic pain, muscle recovery, fibromyalgia, or injury rehabilitation
• Infrared saunas — for joint pain, arthritis, chronic fatigue, or muscle soreness
• Cold plunge and cryotherapy equipment — for inflammation, injury recovery, or post-surgical rehabilitation
• Red light therapy devices — for pain management, wound healing, or skin conditions
• Recovery equipment — for injury rehabilitation or physical therapy support
• Gym machines and exercise equipment — when prescribed by a doctor for a specific medical condition such as obesity, heart disease, or physical rehabilitation

The Key Requirement — Letter of Medical Necessity (LMN)

The most important requirement for using your HSA or FSA on fitness and recovery equipment is obtaining a Letter of Medical Necessity (LMN) from your licensed healthcare provider. This is a written statement from your doctor, physical therapist, or specialist confirming that the equipment is medically necessary for your specific condition.

Your LMN should include:

• Your name and date of birth
• Your diagnosed medical condition
• The specific product or equipment being recommended
• A clear explanation of why the equipment is medically necessary for your treatment
• Your provider's name, signature, license number, and contact information
• The date of the letter

Step-by-Step Guide to Using Your HSA/FSA at Peak Flow Fitness

Step 1 — Consult Your Doctor or Healthcare Provider Schedule an appointment and discuss your condition and how the equipment will support your treatment or recovery. Ask them to provide a Letter of Medical Necessity.

Step 2 — Obtain Your Letter of Medical Necessity Have your provider write and sign the LMN on official letterhead. Keep a copy for your records as you may need to submit it to your HSA/FSA administrator.

Step 3 — Check With Your HSA/FSA Plan Administrator Contact your HSA or FSA administrator before purchasing to confirm the specific product qualifies under your plan. Each plan has slightly different rules and some may require pre-approval.

Step 4 — Make Your Purchase at Peak Flow Fitness Shop at peakflowfitness.com and complete your purchase. Save your itemized receipt as you will need it for reimbursement documentation.

Step 5 — Submit for Reimbursement If your HSA/FSA card is not accepted directly at checkout, pay out of pocket and submit a reimbursement claim to your plan administrator with your itemized receipt and Letter of Medical Necessity attached.

Third-Party HSA/FSA Payment Options

If you want a streamlined experience, consider using one of these platforms that specialize in HSA/FSA eligible purchases and can help verify eligibility before you buy:

• Truemed — Partners with health and wellness brands to make HSA/FSA payments easy at checkout. Ask us about our Truemed integration.
• HSA Store / FSA Store — Online marketplaces specifically built for HSA/FSA eligible products
• Your HSA/FSA debit card — Can often be used directly at checkout for pre-approved eligible items

Important Disclaimers

• Peak Flow Fitness is not a medical provider and cannot guarantee HSA/FSA eligibility for any specific product
• Eligibility is determined by your HSA/FSA plan administrator and the IRS guidelines in effect at the time of purchase
• Always consult your healthcare provider and plan administrator before making a purchase with the intent to use HSA/FSA funds
• Misuse of HSA/FSA funds may result in taxes and penalties

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