How to Get a Letter of Medical Necessity (LMN) Online to Use My FSA/HSA

Using your FSA or HSA to cover certain health expenses can feel confusing. Do you need to see a doctor in person? Can you get the letter online? What does it cover? How much does it cost? 

The short answer: Yes, you can get a Letter of Medical Necessity (LMN) online, right here from this page.

At Well Revolution, the process is straightforward and fully supported by a dedicated doctor and care team from start to finish. 

Here’s how it works.

1) Check if You’re Eligible

First, we'll check if a Letter of Medical Necessity is suitable for you. The expense must be for medical care, not general wellness or convenience.

• Common examples:
  
  • Massage therapy for chronic low back pain
    
  • Nutrition counseling or fitness coach for type 2 diabetes
    
  • Gym membership/structured exercise for obesity or sleep apnea
    
  • Standing desk for Sciatica pain
    
  • Omega-3 supplements for Hypertension ‍

Note: An LMN supports your claim but doesn’t guarantee reimbursement 

2) Start Your Free Consultation

The next step is free and easy. You'll chat live with our care service team. Real people, available every day between 7am and 10pm. There's no waiting room and no appointments.

We'll guide you through gathering the details we need to ensure your Letter of Medical Necessity accurate and collect exactly what your plan needs:

• Your condition & symptoms, relevant history, current meds/allergies
  
• Your insurance ID and insurance group number
  
• Severity of your condition, prior treatment(s) including the duration of each and your response to each treatment.
  
• Photo ID for safe prescribing and identity match

This conversation only takes a few minutes and our team will review your details within 15 minutes, giving your doctor the key information needed to assess whether a LMN is right for you.

3) Live Chat with the Provider

Once your information is gathered, your personal provider will carefully review your case. They will have a one-on-one conversation with you to address your concerns and talk about your goals. 

No appointment is necessary. Start a live chat right away on this page. Your chat will be confidential, secure, and take place in real-time via your phone or computer.

You will receive continuous support from the same team throughout your treatment, with direct assistance available seven days a week, even on weekends and holidays.

4) Your LMN & Personalized Care Plan

If your provider confirms a LMN is right for you, they will create your personalized LMN on official letterhead. Your LMN will include:

• Patient: full name, DOB
  
• Provider: name, credentials, NPI, signature, date
  
• Diagnosis: condition name, ICD-10 code (when applicable), prior treatments, severity, duration, treatment responses, as well as other underlying health issues
  
• Treatment requested: specific item/service with dose/frequency/duration
  
• Medical necessity statement: why it’s needed for your condition (meets “but-for” test)
  
• Valid for up to 12 months

You’ll receive your PDF LMN via email.

(Final reimbursement decisions are made by your plan)

5) Ongoing Support & Follow-Up

Your care doesn't end when you receive your LMN.

At Well Revolution, you'll have ongoing support from the same dedicated provider and care service team. We check in regularly.

In between these scheduled check-ins, you can reach your provider or the care team directly any day of the week.

Why Choose Well Revolution?

• Direct access to US clinicians and care teams
• Real-time support available daily (7am–10pm)
• Personalized, structured care plans tailored to your goals
• Fast, convenient process

Ready to Get Started?

Getting your Letter of Medical Necessity online is simple, fast, and fully supported by our team.

Start your free consultation now and talk directly with the provider and care team.

FAQs:  

What is a Letter of Medical Necessity (LMN)?‍

A provider-signed statement confirming an item/service is needed to prevent or treat a diagnosed condition—required when an expense could be for general wellness.

Do I submit my LMN to my HSA now, or just keep it?‍

For HSAs, you generally keep the LMN with your tax records and use it if you’re ever audited. HSA custodians typically don’t pre-approve whether a withdrawal is qualified. This is different from an FSA, which usually requires you to submit the LMN (and other documentation) to the plan for payment or reimbursement. Some HSA providers may ask for documents to help you maintain records, but the responsibility is on you, not the plan.

‍Do I need a membership to get an LMN?

‍Yes. LMNs are issued only to active members. No one-off LMN purchases.

Why is membership required?

‍Continuity of care. Identity verification. Documented evaluation and treatment plan. Follow ups and revisions if your HSA/FSA asks for changes. Compliance with state telehealth rules and professional standards.

‍How much is membership?

$90 dollars for 3 months. Renews automatically until canceled. Cancel anytime. No contract. No fees.

‍Is there a separate LMN fee?

‍No. The LMN is included in membership.

‍What if my FSA needs edits?

Your dedicated provider updates the LMN at no extra cost while your membership is active.

Can I reimburse myself later for something I paid out of pocket?‍

Yes. For HSAs (and many FSAs), you can pay out of pocket now and reimburse yourself later. Keep a receipt for the expense and the LMN that combo is typically sufficient for an audit.

What are the advantages of using an HSA/FSA for a gym versus paying out of pocket?‍

FSA: “Use it or lose it” each calendar year (some plans allow a small carryover or grace period). You typically submit claims for reimbursement.

HSA: No use-it-or-lose-it; funds roll over and are yours, even if your insurance changes. HSAs are triple tax–advantaged:

1. Pre-tax contributions
   
   
2. Tax-free growth on investments
   
   
3. Tax-free withdrawals for qualified medical expenses
   To contribute to an HSA you must be enrolled in a qualified high-deductible health plan once contributed, the funds remain yours.

Do I need a video visit to get an LMN through Well Revolution?‍

No video visit needed. You can complete the process via secure live chat with the care team and provider. No appointments and no waiting rooms.

Will FSA/HSA cover a gym membership with an LMN?‍

Sometimes. Per IRS guidance, gym memberships can be a medical expense only if the membership is purchased solely to affect a structure or function of the body (e.g., prescribed physical therapy plan), or treat a specific, physician-diagnosed disease (e.g., obesity, hypertension, heart disease).  If it’s for general health, it’s not a medical expense even with an LMN. Your LMN should tie the membership to your diagnosis and treatment plan (frequency/duration).

What documentation does my FSA typically need for a gym membership?‍

Most FSAs ask for:

A valid LMN from your treating provider (diagnosis, medical necessity, frequency/duration).

An itemized receipt or monthly statement from the gym. Many members report full reimbursement when both are provided, but plans vary.

Can I get two LMNs to cover two different gyms?‍

It depends on your plan rules and the medical rationale. Some plans may approve multiple facilities only if your provider documents why both are medically necessary (e.g., different modalities tied to your condition). Check your plan’s policy.

My administrator rejected a template letter from another service. Will Well Revolution’s LMN work?‍

We issue LMNs from your treating, US-licensed provider on official letterhead with all required elements (diagnosis, ICD-10 when applicable, specific treatment, frequency/duration, medical-necessity statement, timeframe, NPI, signature/date). Plans may reject generic “health guidance” letters that explicitly state they’re not medical care or don’t create a provider-patient relationship. Our letters are part of an actual clinical encounter and meet typical FSA documentation standards. (Final approval always rests with your plan.)

How do I use an HSA to pay for medical expenses?‍

You typically have two options (your HSA custodian may support both):

1. Pay with your HSA debit card. Use it at pharmacies, clinics, and other health providers. For “dual-use” items (like gyms), the card may decline.  
2. Pay out of pocket, then reimburse yourself. Submit your receipt (and LMN if required) to your HSA administrator. Once approved, they’ll transfer funds to your designated bank account.

Tip: HSAs generally don’t pre-approve expenses; keep your LMN + receipts with your tax records for audit purposes (FSAs usually require documents at the time of claim).

What is a Health Savings Account (HSA)?‍

An HSA is a tax-advantaged account you fund with pre-tax dollars to pay qualified medical expenses. Contributions lower taxable income; growth and qualified withdrawals are tax-free.

Who’s eligible for an HSA?‍

You must be covered by a High-Deductible Health Plan (HDHP) and not enrolled in Medicare.‍

What are the 2025 HDHP requirements?

Minimum deductible: $1,650 (self-only) / $3,300 (family)
Out-of-pocket max: ≤ $8,300 (self-only) / ≤ $16,600 (family)
Only preventive services can be covered before you meet the deductible.

How do I open an HSA?‍

If eligible, open one through providers like Lively, HealthEquity, Fidelity, or major banks (e.g., Bank of America, Wells Fargo, Chase). If your employer offers a Flexible Spending Account (FSA), ask HR. FSAs are different but also use pre-tax funds.

What expenses commonly qualify for HSA payment?‍

Copays, prescriptions, vision and dental care, plus many others such as: COVID-19 prevention items, OTC meds, addiction services, mobility aids, fertility & reproductive care, cancer wigs/breast reconstruction, acupuncture/chiropractic, medically necessary home modifications, weight-loss programs for medical conditions, standing desks, travel for medical care, and mental health visits.

How do I pay with HSA funds?‍

Use your HSA debit card at eligible providers, or pay out of pocket and submit receipts to your HSA administrator for reimbursement.

Does an LMN guarantee reimbursement?‍

No. It supports eligibility, but your HSA administrator makes the final call. Keep your LMN and receipts.

What if my HSA claim was denied?‍

We’ll refund you if we didn’t deliver the service for example, if your consultation was cancelled, you were charged twice, or a technical issue prevented completion.

If a licensed provider reviewed your case (the consultation) and provided the Letter of Medical Necessity the fee is non-refundable. No fee is charged for the provider to review. That Letter of Medical Necessity completion is the medical service you’re paying for.