Getting the most for your dollar with a FSA, HRA, or HSA

We don’t want the cost to stand in the way of you getting the medical care you need, especially when it comes to pelvic health. A Flexible Spending Account (FSA), Health Reimbursement Arrangement (HRA), or Health Savings Account (HSA) is a great way to make the most of your healthcare resources, as it allows you to set aside funds (tax-free!) for qualified medical expenses.

Here’s the thing: some items are universally accepted as eligible medical expenses, to be reimbursed by your FSA/HRA/HSA. This includes costs such as co-pays, dental or vision care, and prescription drugs. There are other medical expenses (including pelvic health devices!) that are eligible, but with a slight catch. These items that are not universally accepted as eligible expenses require a Letter of Medical Necessity (LMN). An LMN is simply a letter from your doctor or other licensed medical provider, verifying that the services or items you are purchasing are for the diagnosis, treatment, or prevention of a medical condition or disease and are a “medical necessity.”

So, what kinds of Pelvic Health Devices are HSA Eligible Expenses with a Letter of Medical Necessity?

Here at Intimate Rose, we hope to make it as simple and easy as possible to use your healthcare funds to get the support you need in the realm of pelvic health. Simply fill out the Letter of Medical Necessity template we’ve created to ensure you don’t miss any of the important information requested by the IRS. Or, you can create your own, including the information listed below.

What information needs to be included in your Letter of Medical Necessity?

If you decide to write your own Letter of Medical Necessity to verify the medical necessity of items you’re purchasing with funds from your FSA/HRA/HSA, be sure to include the following information:

  1. Patient Name
  2. The specific diagnosis/treatment needed
    1. The recommended treatment must be described by your doctor or other licensed healthcare provider. (Don’t have a pelvic healthcare provider? Find someone through the Pelvic Health Network!)
    2. For example, perhaps your physical therapist suggests daily use of a vaginal dilator for the treatment of dyspareunia (painful sexual intercourse).
  3. The duration of treatment. If duration is not specified, a LMN is typically considered valid for one year from the date it was written. (A LMN cannot exceed a period of one year.)
  4. An LMN must be signed by a licensed practitioner.
  5. An acceptable LMN form, such as:
    1. Intimate Rose LMN Form
    2. Provider's official letterhead
    3. A doctor's prescription/LMN written on a prescription pad
    4. Discharge papers

How to Submit Your Request

Reach out to your FSA/HRA/HSA administrator for details on where to send your completed form and any additional information they may require.

Download the form
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