HSA/FSA Letter of Medical Necessity Template for Saunas
HSA/FSA Letter of Medical Necessity Template for Saunas
Saunas are not automatically eligible for HSA or FSA funds, and they are not on the IRS standard list of medical expenses. Some plans may allow reimbursement where a licensed clinician issues a Letter of Medical Necessity (LMN), but this is determined by your plan administrator, not by us. Fill in the fields below to build a clean template you can take to your provider, then print it or save it as a PDF.
Build your Letter of Medical Necessity template
Your template preview will appear here
Fill in the fields above and select Preview my letter. The template is a starting point for your licensed provider to review, edit, and sign. Whether a documented expense is actually reimbursed is determined by your plan administrator, not by us, and approval is never guaranteed.
Want sauna buying tips by email? Join our email list for sauna and cold plunge buying tips and new arrivals. Unsubscribe anytime.
Thanks, you're on the list.
This template is educational and is not medical, tax, or legal advice. Only a licensed clinician can speak to medical necessity, and whether an expense is reimbursed is decided by your plan administrator under the rules that apply to your account. Keep any signed letter with your purchase receipt in case of an audit.
How a Letter of Medical Necessity works
Saunas are not automatically eligible for HSA or FSA funds, and they are not on the IRS standard list of qualified medical expenses. Some plans may allow reimbursement where a licensed clinician issues a Letter of Medical Necessity documenting why they consider the item medically necessary in a specific case. Whether such a letter is accepted is determined by your plan administrator, not by us, and approval is never guaranteed. If an expense is approved, paying with pre-tax HSA or FSA dollars reduces the effective cost by your own marginal tax rate. Which circumstances a clinician considers appropriate is a matter for that clinician, decided case by case; we cannot advise on it. Save any signed letter alongside your receipt so you have documentation if the expense is later questioned. Confirm with your plan before purchasing on the assumption it will be covered. For more, see our HSA and FSA page, or browse our infrared sauna collection.
A sauna is not a substitute for medical or mental health care.
What you get
A clean, fillable LMN template structured the way clinicians expect.
An instant on-page preview you can print or save as a PDF.
Join our email list for sauna and cold plunge buying tips and new arrivals. Unsubscribe anytime.
A plain explanation of how HSA/FSA pre-tax dollars work.
Illustrative arithmetic by tax rate
The table below shows what the pre-tax discount works out to at several marginal rates, assuming an expense has already been approved by the plan. It is arithmetic rather than a prediction, and approval is never guaranteed.
Sauna price
At 22%
At 27%
At 32%
$3,000
$660
$810
$960
$6,000
$1,320
$1,620
$1,920
$9,000
$1,980
$2,430
$2,880
Figures depend on your own marginal tax rate and your account rules, and assume the expense is approved. This is not tax advice.
Frequently asked questions
Is an infrared sauna HSA or FSA eligible?
Not automatically. Some plans may allow reimbursement where a licensed provider issues a Letter of Medical Necessity, but this is determined by your plan administrator, not by us. Confirm with your plan before purchasing on the assumption it will be covered.
How fast can I get a Letter of Medical Necessity?
It depends on your provider. Some clinicians complete one during a regular visit, and some online services issue an LMN after a clinical intake. Always work with a licensed provider who can assess your situation. Note that obtaining a letter does not itself mean an expense will be reimbursed.
What should the letter include?
A typical LMN names the patient, the diagnosed condition, the recommended product (the sauna), the clinical rationale, the recommended duration, and the provider's name, credentials, and signature. The template above is organized around these elements.
