Explore HSA and FSA
What are HSAs and FSAs?
Health savings accounts (HSA) and flexible spending accounts (FSA) let you set aside pre-tax dollars for qualified medical expenses. An HSA is paired with a high-deductible health plan, allowing funds to roll over year to year. FSAs are employer-sponsored and typically require annual use, although some plans offer a grace period or small carryover.
How they power your health
By using pre-tax contributions, you effectively reduce the net cost of treatments by up to 30–40 percent, depending on your tax bracket. When you invest in a medically supervised plan with HSA or FSA dollars, you’re funneling savings directly into tailored care that addresses your unique challenges, from stubborn weight to metabolic slowdowns.
Determine program eligibility
Conditions covered by accounts
To qualify as an eligible expense, your weight-loss plan must treat a diagnosed medical condition such as obesity (BMI ≥ 30), type 2 diabetes, hypertension, or heart disease. If you’re prescribed a structured weight-loss program by a physician, the cost is HSA or FSA eligible IRS.
Physician prescription requirement
General wellness or appearance-focused programs aren’t covered. Your physician must diagnose your condition and prescribe the program as medically necessary. Most FSA administrators require a Letter of Medical Necessity before approving reimbursement.
Document medical necessity
Letter of Medical Necessity
A Letter of Medical Necessity (LOMN) formalizes your need for treatment. It should include:
- Your diagnosis (for example, obesity or hypertension)
- The recommended treatment plan (structured program, medications, surgery)
- How the intervention will manage or improve your condition
Many FSA administrators will hold claims until you provide this documentation [1].
Key details to include
- Physician’s name, credentials, and contact information
- Patient name and date of birth
- Clear statement that the program is medically necessary
- Duration and components of the prescribed plan
Maximize covered services
Clinical weight loss programs
Physician-supervised programs offered through doctor’s offices or hospital clinics often bundle diet, exercise, behavior modification, and monitoring. These comprehensive plans meet FSA criteria when prescribed to treat obesity or related conditions [2].
Prescription weight loss medications
FDA-approved medications for long-term weight management include:
- Contrave (naltrexone/bupropion)
- Qsymia (phentermine/topiramate)
- Saxenda (liraglutide)
- Wegovy (semaglutide)
- Mounjaro (tirzepatide)
- Alli or Xenical (orlistat)
- Zepbound (tirzepatide)
If these drugs aren’t covered by insurance, you can use HSA or FSA funds, provided you have a prescription and documentation of medical necessity [3].
Bariatric surgery options
When deemed medically necessary to treat conditions like morbid obesity or obesity-related health issues, most bariatric procedures qualify:
- Gastric bypass
- Sleeve gastrectomy
- Adjustable gastric banding
Consult your healthcare professional to confirm eligibility before scheduling surgery [4].
Avoid non eligible items
Wellness expenses excluded
Gym memberships, general fitness classes, and standalone nutrition counseling are viewed as general wellness and aren’t eligible for HSA or FSA reimbursement [5].
Special food considerations
Meals or supplements that substitute for normal nutrition typically aren’t eligible. However, if a healthcare professional prescribes specific foods or formulas above your routine diet to treat a diagnosed condition, the incremental cost may qualify [1].
File reimbursement claims
Gather your documentation
Before you submit a claim, assemble:
- Itemized invoices from your program provider
- Physician prescription and LOMN
- Proof of payment (receipts, credit card statements)
Submitting your claim
- Complete your plan’s HSA or FSA claim form
- Attach all supporting documents
- File online or mail to your administrator
- Track your reimbursement status
Timely submission and clear documentation can speed approval, ensuring you access the support necessary for lasting change.
Enhance your weight loss
Integrate hormone optimization
Pair your weight-loss regimen with targeted hormone balancing to support metabolism and energy levels. Explore our weight loss with hormone optimization for more details.
Use lab testing insights
Regular lab work can reveal nutrient deficiencies, thyroid function, and metabolic markers. A men’s weight loss with lab testing approach helps tailor your plan down to the cellular level.
Consider TRT support
If low testosterone is a factor in your fatigue or muscle loss, combining a medically supervised program with fat loss with trt support can accelerate results and bolster vitality.
Choose the right provider
Doctor supervised fat loss
A doctor supervised fat loss program ensures medical oversight at every step, reducing risk and optimizing outcomes.
Male-focused medical plans
Look for a male-focused medical weight loss plan that accounts for your age, lifestyle, and hormone profile.
Specialized fat loss clinics
Partner with a medical fat loss clinic for men that offers comprehensive care, from metabolic testing to tailored nutrition and performance coaching.
Take proactive steps
Nearly 75 percent of U.S. adults are overweight or obese, increasing risks for diabetes, hypertension, and heart disease [3]. By leveraging a weight loss program covered by FSA HSA, you gain access to structured, medically supervised care with significant tax savings. Consult your physician today, secure your Letter of Medical Necessity, and explore our men’s medical weight loss program to start your journey toward lasting vitality and performance.
References
- (News Observer)
- (FSA Store)
- (GoodRx)
- (Rio Grande Guardian)
- (GoodRx)
