Google's new Fitbit Air is officially HSA/FSA eligible for qualifying customers, giving you more ways to use your pre-tax health savings. But before you rush to check out, it helps to understand how HSA and FSA eligibility actually works for wearables—because for most devices, it's a little more complicated than it sounds.
Google Fitbit Air $99.99 at Amazon Shop Now Shop Now $99.99 at AmazonAccording to the FSA Store's eligibility list, a wearable device becomes eligible when it is necessary for treating or monitoring a specific medical condition, as opposed to just for general wellness. This is where a “Letter of Medical Necessity” comes in.
What is a Letter of Medical Necessity?
When it comes to securing your LMN, you might not even need to make a doctor's appointment, thanks to certain third-party players like Truemed partnering with a number of health tech companies. You'll see the option to “Pay With Truemed” at checkout at Whoop, Coros, and Amazfit, to name a few. From there, you'll be asked a few questions about your health circumstances, and you’ll be matched with a provider to determine your eligibility. If you qualify, you’ll get an LMN that will allow you to use your HSA or FSA funds to complete your purchase.
Option one: Pay directly with your FSA or HSA card
The simplest method is to use your FSA or HSA debit card at the point of sale, the same way you'd use any other credit card.
Have your LMN ready. Even if you're paying directly with your card, your plan administrator may follow up and request documentation. Keep your LMN accessible.
Note: If your wearable isn't on a pre-approved eligibility list, your FSA card may be declined at the register even if you have a valid LMN. In that case, you can try option two.
Purchase the device using a personal credit card or any other payment method, and keep your itemized receipt.
Log in to your benefits portal or contact your plan administrator. Most FSA and HSA administrators have an online portal where you can submit reimbursement claims directly.
Wait for approval and payment. Processing times vary by administrator, but most claims are reviewed within a few business days to a few weeks. If approved, you'll be reimbursed from your FSA or HSA balance via direct deposit or check.
The bottom line
Even if a device is marketed as health-focused, that doesn't automatically make it FSA or HSA eligible. For most smartwatches and fitness trackers, eligibility hinges on your documentation, not just the device features appearing medically sound. Some administrators scrutinize wearable purchases more closely than others, and approval is never guaranteed. If you have a qualifying medical condition and a physician willing to support your case with an LMN, you may be in great shape to put those pre-tax dollars to work.
Also worth noting: you can reimburse yourself from an HSA for a past eligible purchase at any time, even years later, as long as you have the receipt and documentation. That flexibility makes HSA accounts particularly useful for health tech purchases. Whatever you buy, keep meticulous records. The IRS expects you to be able to back up every HSA purchase you make, and good record-keeping is the simplest way to protect yourself if questions ever arise.
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