Sauna: FSA Eligibility

Sauna: requires a Letter of Medical Necessity (LMN) to be eligible with a Flexible Spending Account (FSA)

A sauna may be eligible for reimbursement with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), health savings account (HSA) and health reimbursement arrangement (HRA). A sauna is not eligible for reimbursement with a limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).

What is a home sauna?

A home sauna is a personal wellness space designed to provide dry or steam heat therapy in the comfort of your own home. Typically heated between 150°F and 195°F (65°C to 90°C), saunas help promote relaxation, improve circulation, relieve muscle tension, and support detoxification through sweating. Home saunas come in various types, including traditional, infrared, and steam models. They are popular for their physical and mental health benefits, as well as creating a convenient therapeutic experience at home. Sessions usually last 10 to 20 minutes.

Regardless of how a sauna is heated, or the humidity level, the effects on the body are similar. When a person sits in a sauna, their heart rate increases and blood vessels widen. This increases circulation, in a similar way to low to moderate exercise depending on the duration of sauna use. Heart rate may increase to 100-150 beats a minute while using a sauna. This may bring some health benefits. Increased circulation may help reduce muscle soreness, improve joint movement, and ease arthritis pain. (Medical News Today)

What is the process for sauna FSA/HSA/HRA reimbursement?

A sauna may be eligible for reimbursement with a Letter of Medical Necessity (LMN) from a licensed healthcare provider outlining how the equipment will help treat or mitigate a specific medical condition. A sauna for personal use or general good health is not eligible which may also apply to saunas intended for more than 1 person.