Aligned with IRS Publication 502

Use your HSA for the exercise
your doctor already recommends.

DoctorNoted helps you get a Letter of Medical Necessity from your own primary care doctor — the simple, compliant way to use FSA/HSA dollars for personal training, gym memberships, and exercise programs prescribed for chronic conditions.

Letter of Medical Necessity
Generated by DoctorNoted · Reviewed and signed by your physician
Signed
Diagnosis: Chronic lumbar pain (M54.5)
Dr. Sarah Lin, MD
Family Medicine · NPI 1234567890
Estimated reimbursement
$2,400/yr
IRS Pub. 502 aligned
Built around official guidance
HIPAA compliant
Your health data stays private
Compliance-first
Built around IRS guidance
Your own doctor
Never a stranger
The opportunity

$130 billion in HSA dollars sit unused every year.

Most Americans don't know that gym memberships, personal training, and structured exercise programs are reimbursable from FSA/HSA accounts — when documented as medically necessary for a qualifying condition.

The catch: you need the right paperwork. A Letter of Medical Necessity from your physician. That's where most people get stuck — and where DoctorNoted comes in.

How it works

Three steps. Under a week. Your dollars back.

1

Tell us about your condition

5-minute structured intake. We ask the medically relevant questions and turn your answers into a clean clinical summary your doctor can review at a glance.

Takes 5 minutes
2

Send the packet to your own doctor

We prepare three things: a clinical summary, a draft Letter of Medical Necessity, and a patient portal message. You send it. Your doctor edits and signs in under a minute.

Under 60 sec of doctor's time
3

Get reimbursed

Submit the signed letter with your receipts to your FSA/HSA administrator. Receive reimbursement for eligible expenses — gym, training, equipment, programs.

Up to $3,000+ per year
What's in your packet
Clinical summaryclean, concise, PCP-friendly
Draft Letter of Medical Necessityready for your doctor to review and sign
Patient portal messagecopy, paste, send
Receipt templateformatted for FSA/HSA approval
Who qualifies

Conditions where exercise is medically indicated

If you've been diagnosed with any of these, exercise may be a documented part of your care plan — and reimbursable from your FSA/HSA.

DoctorNoted does not diagnose conditions or determine medical necessity. Your physician retains full clinical discretion. Eligibility for reimbursement depends on your FSA/HSA administrator.

Why your own doctor matters

The difference between documentation that gets approved and documentation that gets flagged.

Some services use a "network physician" you've never met to sign your letter. Fast — but increasingly scrutinized by HSA administrators and the IRS. We do it differently.

Other services

Network physician model

  • A doctor you've never met signs your letter
  • No knowledge of your full medical history
  • Increasing IRS scrutiny on this model
  • HSA admins flag patterns more often
DoctorNoted

Your own physician model

  • The doctor who knows your history signs
  • Full clinical context behind the letter
  • Strongest possible compliance posture
  • Highest approval rates with admins
Pricing

One-time fee. Years of reimbursement.

Most patients see $1,500 – $3,000 in annual reimbursements. Pick the tier that matches how much help you want.

Basic

Everything you need to get started

$29one-time
  • Clinical summary
  • Draft Letter of Medical Necessity
  • Patient portal message template
  • Receipt template
  • Compliance-first design
Get started
Most popular

Premium

Best value for most patients

$79one-time
  • Everything in Basic
  • Reimbursement playbook (admin-by-admin)
  • Denial appeal support
  • 1-year free renewal credit
  • Email support
Get started

Pro

White-glove + audit support

$149one-time
  • Everything in Premium
  • Dedicated case worker
  • 24-hour priority turnaround
  • Multi-condition packets
  • Audit support if HSA admin questions
Get started

All plans include compliance-reviewed documentation built around IRS guidance.

FAQ

Common questions

Will my doctor really sign this?+
Most doctors sign these letters when the documentation is clean and the request is legitimate. We've designed every part of the packet to take less than 60 seconds of your doctor's time, and the language is fully discretionary — they're never asked to do anything outside their clinical judgment. If your doctor refuses, we connect you with a licensed reviewing physician for an additional fee.
Is this legitimate?+
Yes. IRS Publication 502 explicitly allows fitness and exercise expenses to be reimbursed from HSA/FSA accounts when accompanied by a Letter of Medical Necessity from a physician for a qualifying condition. We don't make medical decisions — we streamline the documentation process so your doctor's judgment is what matters. Reimbursement still depends on your administrator's review.
What conditions qualify?+
Many chronic conditions where exercise has documented medical benefit, including chronic back pain, Type 2 diabetes, obesity (BMI 30+), hypertension, osteoarthritis, heart disease, depression, anxiety, postpartum recovery, and more.
How long does the process take?+
Most patients receive a signed letter within 3–7 days of sending the packet to their doctor. Pro tier includes 24-hour priority turnaround on our side, plus dedicated support if your doctor's office takes longer.
What's reimbursable with my letter?+
Depending on your condition and your doctor's letter, reimbursable expenses can include gym/health club memberships, personal training sessions, structured exercise programs, fitness equipment for home use, swim memberships, yoga/Pilates therapy, and more. Reimbursement is determined by your FSA/HSA administrator.
What if my reimbursement is denied?+
Premium and Pro tiers include denial appeal support. We'll help you respond to administrator questions and resubmit if needed. Most denials are resolved on appeal when the underlying letter is clinically sound.
Are you a medical provider?+
No. DoctorNoted is a documentation platform. We don't diagnose, treat, or determine medical necessity. Your physician retains full clinical discretion at all times. We simply make it easier for them to document conditions they've already diagnosed and treatments they already endorse.

Your HSA dollars are waiting.
So is your doctor.

Five-minute intake. Compliance-reviewed packet in under 1 hour. Get started free.