About This Tool

What is this tool?

The SaunaLMN tool helps individuals determine if they may qualify for Health Savings Account (HSA) or Flexible Spending Account (FSA) coverage for a sauna purchase based on their medical conditions. It also generates a customized letter template to request a letter of medical necessity from healthcare providers.

How does HSA/FSA coverage for saunas work?

According to IRS guidelines, medical expenses that can be paid with HSA/FSA funds must be primarily for the prevention or alleviation of a physical or mental defect or illness. While saunas are generally considered personal items, they may qualify for HSA/FSA coverage if:

• The sauna is prescribed by a physician
• The sauna is used to treat a specific medical condition
• The physician provides a Letter of Medical Necessity
• The expense is not covered by insurance

What is a Letter of Medical Necessity?

A Letter of Medical Necessity (LMN) is a document from a healthcare provider that explains why a specific treatment, product, or service is medically necessary for a patient. For HSA/FSA coverage of a sauna, the LMN should include the diagnosis, how the sauna will help treat the condition, why it's medically necessary, and the duration of treatment.

How accurate is this tool?

This tool provides an estimate of potential eligibility based on scientific research and general HSA/FSA guidelines. However, actual eligibility depends on your specific situation, your healthcare provider's assessment, and your HSA/FSA administrator's policies. The tool should be used as a starting point for discussions with your healthcare provider, not as a guarantee of coverage.

What conditions might qualify?

Based on scientific research, conditions that may potentially qualify for sauna therapy include:

• Cardiovascular conditions (hypertension, heart disease)
• Rheumatologic and pain conditions (arthritis, fibromyalgia, chronic pain)
• Neurological conditions (cognitive decline, dementia risk)
• Respiratory conditions (allergic rhinitis, COPD)
• Mental health conditions (depression, anxiety)

The strength of evidence varies by condition, with the strongest evidence for cardiovascular benefits and pain management.

Disclaimer

This tool is for informational purposes only and does not guarantee HSA/FSA approval. The information provided is not intended as medical advice, diagnosis, or treatment. Always consult with a qualified healthcare provider regarding your specific medical conditions and before starting any new treatment. HSA/FSA administrators have the final say on whether an expense qualifies for reimbursement.