Save up to 40% off your gym with your HSA/FSA

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    No video calls necessary

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    $15 consult–no membership required

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    Medical review within 3 hours

Fitness can transform whole-body health. With a Letter of Medical Necessity from Dr. B, you can unlock your HSA/FSA funds to save money on gym memberships, fitness classes and personal training expenses.

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You earned it.

Now let’s help you spend it on the things you care about.
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Pre-tax dollars

A Health Savings Account (HSA) or Flexible Spending Account (FSA) lets you bank your income before taxes—but options for spending can be limited.

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Letter of Medical Necessity

Dr. B offers $15 online consultations that include a Letter of Medical Necessity, if appropriate.

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Unlocked spending

With a Letter of Medical Necessity, gym memberships and fitness classes can be paid with HSA or FSA funds.

Gyms + fitness studios where you can claim this benefit

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F45 Training Logo
Planet fitness logo
Orangetheory Fitness logo
Flexit Logo
[solidcore] logo
24 Hour Fitness logo
LA Fitness logo
Equinox logo
Gold's Gym logo
CrossFit logo
Crunch Fitness logo
SoulCycle Logo
YMCA Logo
F45 Training Logo
Planet fitness logo
Orangetheory Fitness logo
Flexit Logo
[solidcore] logo
24 Hour Fitness logo
LA Fitness logo
Equinox logo
Gold's Gym logo
CrossFit logo
Crunch Fitness logo
SoulCycle Logo
YMCA Logo
F45 Training Logo
Planet fitness logo
Orangetheory Fitness logo
Flexit Logo
[solidcore] logo
24 Hour Fitness logo
LA Fitness logo
Equinox logo
Gold's Gym logo
CrossFit logo
Crunch Fitness logo
SoulCycle Logo
YMCA Logo
F45 Training Logo
Planet fitness logo
Orangetheory Fitness logo
Flexit Logo
[solidcore] logo
24 Hour Fitness logo
LA Fitness logo
Equinox logo
Gold's Gym logo
CrossFit logo
Crunch Fitness logo

Consultation

All online

Complete your consultation with Dr. B right on your phone or computer. No video calls. Simply answer some questions about your health and fitness goals.

Available in all 50 states, 365 days/year

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$15
Dr. B Consultation

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One simple price

Dr. B offers online consultations for $15, which is less than most copays for a doctor’s visit—and the lowest price amongst telehealth companies.

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Here's what to expect

1
Health assessment

Tell us about your medical conditions and wellness goals with a $15 online consultation.

2
Provider review

A medical provider will review your information and send a Letter of Medical Necessity, if appropriate.

3
Submit for HSA/FSA reimbursement

After your Letter of Medical Necessity hits your inbox, submit it with your fitness expenses to your HSA/FSA provider as a qualified medical expense.

Questions?

About Letters of Medical Necessity

What is a Letter of Medical Necessity?

A Letter of Medical Necessity is a document that details why you need a specific product or treatment (like a wheelchair, vitamin supplement or swim therapy) for medical purposes so that expense can be paid for 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-qualified expenses 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 so that it meets the criteria for reimbursement under HSA or FSA guidelines.

Am I eligible for this?

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.
What is an HSA/FSA account?
Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are tax-exempt accounts designated to reduce the cost of 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 that administrator via your employer’s HR department.
How does this work?

Your 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 the items you’re requesting are 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.

How much will using my HSA/FSA card save me?

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 tax-free 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.)

How do you submit a Letter of Medical Necessity to your HSA/FSA provider?
  1. Get your Letter of Medical Necessity: Your Letter of Medical Necessity from Dr. B will verify that a specific purchase is an active or preventative care treatment for a particular disease. It will also validate that you can use tax-free dollars from your HSA or FSA to pay for the purchase. Your letter is valid for 12 months from the date you received it.
  2. Make your purchase: Buy or renew a gym membership, class, personal training session or other fitness expense—and save your receipts.
  3. Find your HSA/FSA provider: If you’re not sure who your HSA or FSA provider is, contact your employer's HR department.
  4. Access your HSA/FSA provider's web service: Set up a new account or use your login details to access the online platform of your HSA or FSA provider.
  5. Locate their 'Reimbursement' or 'Claims' section: Find the dedicated area on your HSA/FSA's website that handles reimbursements or claims.
  6. 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.
  7. 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 provider to review and process your claim. Once confirmed, they’ll deposit the reimbursement amount into the account you specified.
  8. Utilize your Letter of Medical Necessity for future claims: You may be able to use your Letter of Medical Necessity for the same items if you file the claim within your 12-month period. (For example, if you use your HSA for gym membership fees, you may need to resubmit when you renew your membership.)
How long does it take for HSA/FSA providers to reimburse qualifying purchases?

HSA/FSA providers 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.

What is the process for declaring these purchases on my tax returns?

You don't need to submit any additional IRS tax forms for personal purchases made with FSA funds. (If you use your FSA to pay for the care of a dependent, you’ll have to file Form 2441.)

HSA tax benefits filing involves three IRS tax forms: 1099-SA, 5498-SA and 8889. Form 5498-SA is filed by the provider of your HSA account. During tax season, your provider will send you Form 1099-SA with information you’ll use to complete Form 8889, which you’ll need to submit with your annual tax filings. Make sure to keep copies of all documents you submit. Contact your HSA provider's customer service if you need assistance.

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