Health Savings Accounts (HSAs) let you set aside pre-tax dollars to pay for qualified health expenses. HSAs are linked to high-deductible health plans, and funds in these accounts roll over year after year.

Flexible Spending Accounts (FSAs) allow you to use pre-tax dollars for eligible health expenses. Unlike HSAs, FSAs are not tied to a specific health plan and often require you to use the funds within the calendar year. FSAs are typically provided by employers.

• A licensed clinician will determine your eligibility during a chat-based telehealth consultation. According to IRS guidelines, you must have a medical condition that warrants the product or service you intend to purchase using your HSA/FSA. A range of conditions—such as cardiovascular, metabolic, musculoskeletal, autoimmune, neurological, or mental health conditions—could qualify.

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 the 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. 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.

Dr. B medical consultations involve 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 exercise can help prevent or treat your condition, qualifying related 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 memberships or class packs at Chromacore. To ensure compliance, keep that Letter of Medical Necessity and applicable receipts available for the next three years.

Your Letter of Medical Necessity is valid for 12 months from the date of issue. It can be used for any eligible purchases made during this time. Be sure to keep and submit all related receipts when filing for reimbursement with your HSA/FSA administrator.

1. Go to Flex’s Shop and select the product or service you want to purchase.

   Complete the chat-based telehealth consultation to confirm eligibility.

   If eligible, you’ll receive your Letter of Medical Necessity via email.

   Submit the Letter and proof of purchase to your HSA/FSA administrator for reimbursement.

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 provider.

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 and receipts: You’ll be required to upload a few essential documents, including your Letter of Medical Necessity from Dr. B and your monthly membership receipt to Chromacore. Receipts must be for purchases made on or after the date of your letter.

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. If you run into any issues with your provider’s form submission requirements, request support from our team via your patient dashboard. We’ll help sort it out.

6. Use 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 your Chromacore membership fees, you may need to resubmit when you renew your 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.

If you completed your purchase with Flex, your itemized receipt will be sent immediately after checkout.

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.

Using HSA/FSA funds reduces the amount of income tax you pay, effectively lowering the cost of health-related purchases by using pre-tax dollars. Most consumers save between 30–40%, depending on their tax bracket.

1. Locate your HSA/FSA administrator (typically through your employer’s HR department or health insurance provider).

2. Log in to your account on the administrator’s online platform.

3. Navigate to the “Reimbursement” or “Claims” section.

4. Upload your Letter of Medical Necessity and receipts for related purchases made after the letter’s issue date.

5. Submit your claim. Processing can take several days to a few weeks.

Reimbursement times vary but can take several weeks. For a specific timeline, contact your HSA or FSA administrator directly.