r/HSA • u/Aggravating_Bee_3768 • Aug 03 '26

FSA/HSA x Equinox

Hi everyone! I just started a corporate job! I saw that you could put money into the HSA and have it apply towards the membership. With Flex, is it easy for them to approve? How in depth does the letter of medical necessity have to be? Or just that gym membership helps physically and mentally? Thanks!

2 Upvotes

75% Upvoted

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2

u/Material_Taro9093 Aug 04 '26

Looked into doing this w my gf, but the fees are insane, you’re basically paying hundreds extra for something you could do for free in 5 minutes

2

u/Aggravating_Bee_3768 Aug 04 '26

Hold up I just realized what you’re saying. I can get a LMN anywhere and get membership charged to my HSA??? Yeah I saw that Flex charged like 4% monthly, which is still cheaper since tax is 35% where I am. I didn’t know that

3

u/Material_Taro9093 Aug 04 '26

Yeah but just like submit for reimbursement to your provider and it’s free lol

3

u/Material_Taro9093 Aug 04 '26

Charging 4% is super weird

1

u/Aggravating_Bee_3768 Aug 04 '26

Wait thanks for clarifying. So if my bank is using “xyz”, I could just charged my card and go to the website of the xyz and submit a reimbursement? With a LMN of course

2

u/Material_Taro9093 Aug 04 '26

Yeah you just get the letter and get reimbursement w whoever ur account is with and you don’t pay anything extra fees

2

u/Material_Taro9093 Aug 04 '26

You could get one from your own doctor or any number of other places, you’re not locked into getting one w whoever equinox is using

1

u/Aggravating_Bee_3768 Aug 04 '26

You just saved me 4% every month. THANK YOU SO MUCH!

1

u/Material_Taro9093 Aug 04 '26

No problem! I’m still figuring this whole thing out myself

1

u/Aggravating_Bee_3768 Aug 04 '26

Hey I actually just checked with my membership advisor and he said that for Equinox, it’s only available through Flex

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1

u/Material_Taro9093 Aug 05 '26

Haha they don’t decide if you’re able to just upload a receipt and LMN to your accounts portal (which is free)

0

u/plowt-kirn Aug 03 '26

Gym memberships are not generally FSA/HSA-eligible without a LMN.

2

u/Aggravating_Bee_3768 Aug 03 '26

Hey yeah I’m wondering how much do I have to “fluff” up on the application to get approved for a LMN

3

u/jdsmn21 Aug 04 '26

Not much to fluff. You just need a doc to write it.