Dr.B x Build By Tribe

Fitness can transform whole-body health. And if you exercise to prevent or treat a medical condition, you may be able to get a Letter of Medical Necessity to unlock your HSA or FSA funds and save up to 40% off your classes.

• Start a $15 medical consultation—no video required
• A licensed provider will review your health history and current condition. If you qualify, they’ll email your fitness recommendations and Letter of Medical Necessity within 3 business hours.
• Submit your letter and Build by Tribe receipts purchased on or after the date of your letter to your HSA/FSA administrator for reimbursement.

Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) allow you to save pre-tax dollars you can use to pay for eligible medical expenses. Fitness fees do not immediately qualify as eligible HSA/FSA expenses, but they do qualify if a provider recommends exercise to prevent or treat a medical condition.

To qualify those expenses for reimbursement with an HSA/FSA administrator, you need a Letter of Medical Necessity from a provider. Our partner, Dr. B, offers online consultations with licensed providers in every state—365 days a year.

Dr. B is a telehealth platform where patients can take $ 15 online consultations for a wide variety of conditions and then send resulting prescriptions to the pharmacy of their choice. Patients can also connect with licensed providers in their state who provide the Letter of Medical Necessity required for HSA/FSA fitness reimbursement.

A Letter of Medical Necessity is a document that details why a patient needs a specific product or treatment (like a wheelchair, vitamin supplement or swim therapy) for medical purposes so that a related expense can be paid with funds from an HSA (Health Savings Account) or FSA (Flexible Spending Account).

HSA and FSA accounts allow you to set aside pre-tax money you can use to pay for qualified medical expenses. But sometimes, these health care costs might not be automatically recognized as HSA- or FSA-eligible items that can be reimbursed with those funds. In such cases, a Letter of Medical Necessity provides documentation explaining why that particular expense is medically necessary, guaranteeing that it meets the criteria for reimbursement under HSA or FSA guidelines.

You are eligible if:

• You have an active HSA or FSA account.
• You are preventing or reversing health conditions like depression, anxiety, chronic fatigue, insomnia, obesity, infertility, diabetes, heart disease and more through an exercise or fitness routine.

Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are tax-exempt accounts designated for covering eligible medical expenses. The IRS determines the differences between HSA and FSA accounts, which are usually established and overseen by an HSA or FSA administrator. (You can access your FSA administrator via your employer’s HR department.)

A Dr. B medical consultation involves a short health assessment about conditions you are working to prevent or reverse. If eligible, you’ll receive a Letter of Medical Necessity detailing how your condition qualifies exercise costs as HSA or FSA-eligible expenses. (The letter comes a few hours after you’ve completed payment.)

If you have an HSA or FSA account, you can submit this letter to reimburse future gym memberships, fitness classes, personal training or other exercise program fees. To ensure compliance, keep that Letter of Medical Necessity and applicable receipts available for the next three years.

HSA and FSA accounts consist of pre-tax funds, meaning you won’t pay income tax on money you put into those accounts and then use to pay for qualified healthcare expenses.

Using pre-tax money from an HSA or FSA account saves you money because you’re not paying tax on income you’ll then use to buy health-related items. This essentially increases your purchasing power for healthcare necessities. Individuals can contribute a maximum of $3,650 annually to their HSA. Most patients save between $1,000 and $2,000, depending on their state and tax bracket. (You can calculate your savings based on those parameters.)

1. Find your HSA/FSA administrator: If you’re not sure who your HSA or FSA administrator is, contact your employer’s HR department.
2. Access your HSA/FSA administrator’s web service: Set up a new account or use your login details to access the online platform of your HSA or FSA administrator.
3. Locate their ‘Reimbursement’ or ‘Claims’ section: Find the dedicated area on your HSA/FSA’s website that handles reimbursements or claims.
4. Submit your Letter of Medical Necessity and receipts: You’ll be required to upload a few essential documents, including your Letter of Medical Necessity from Dr. B and the receipt for the product or service you bought as a result of your Dr. B health assessment.
5. Wait for your claim to be processed: Once you’ve submitted all required documents, it may take a few days or weeks for your HSA/FSA administrator to review and process your claim. Once confirmed, they’ll deposit the reimbursement amount into the account you specified.

You may be able to use the same Letter of Medical Necessity for future exercise purchases if you file the claim within a 12-month period. For example, if you use your HSA funds for gym membership fees, you may be able to resubmit the same letter to renew your gym membership.

HSA/FSA administrators typically approve expenses 7-10 days after you submit your Letter of Medical Necessity and receipts. But reimbursement timelines can vary depending on your particular HSA/FSA administrator.

Your Letter of Medical Necessity is valid for 12 months and can be filed for reimbursement with fitness purchase receipts made on or after the letter’s date. You can’t file it with purchases made before the letter was issued.

You can contact Dr. B’s support team for additional questions by going to hidrb.com/contact