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Most Popular Questions

How should I submit my gym membership claims if I pay for the full amount upfront?

For a gym membership to even be considered for reimbursement under a Health Care FSA, you must have:

  • Approved Letter of Medical Necessity (PDF) on file for a medical condition that requires exercise at a gym
  • Individual gym membership contract on file (multi-person contracts will not be considered)
  • Claim form accompanied by one of the following:
    • Either an itemized statement with date of service, type of service, dollar amount, and provider name/address OR,
    • Proof of payment from the gym (not a bank/credit card statement) with date of service, type of service, dollar amount, and provider name/address

If the Letter of Medical Necessity is approved, you have two options for submitting these types of claims (see below). However, IRS rules state that we cannot reimburse expenses that will be incurred in the future, even if the provider requires payment in advance for the entire period. This includes expenses such as gym memberships:

Your options include:

  1. Submit expenses for a full month after that month has ended. Let's say you are billed monthly for gym membership, and paid for January 1 - January 31. On February 1, you would submit a claim form for January only, and include the receipt for January's membership that details the dates of service, provider name and cost.
  2. Submit the expense as recurring for a specific time period. Let's say you were asked to pay a fee upfront for a specified time period. For instance, in April you were asked to pay a $270 fee to cover gym membership for April through December. On May 1, you would submit a claim for $270 with the appropriate documentation and continue to submit a claim for $270 each month of the time period until you are reimbursed for the entire expense.