Are weight-loss programs FSA-eligible?

Do weight-loss programs qualify for Flexible Spending Account Reimbursement?

A: It depends on the individual plan. Maintaining a healthy weight obviously has major benefits. Exercise is important whether you want to stay fit for yourself or for your family, simply want to lower your risk for certain diseases, or to have more energy during the day.

While a health care Flexible Spending Account supports qualified health care services, weight-loss programs are not always eligible across the board. Some FSA plan administrators allow for the plans as long as they are backed up by a letter of medical necessity (LMN) from a physician or other medical practitioner outlining how the weight-loss program will be used to treat a specific medical condition.

Qualifications for Reimbursement

Under IRS guidance, weight-loss programs qualify for FSA reimbursement only if they are recommended by a physician for the treatment of specific medical conditions - diabetes, heart disease or obesity, for example. FSA administrators require a letter of medical necessity from the physician describing the need for the program and outlining treatment options.

1. If the goal of weight loss solely focuses on general health or improving your appearance, it does not qualify for FSA reimbursement. Health club dues or a gym membership would also not qualify.

2. Diet foods do not may only count towards reimbursement in specific circumstances. According to the IRS, food or beverages purchased for weight loss reasons will only qualify only if (1) the food or beverage doesn't satisfy normal nutritional needs, (2) the food or beverage alleviates or treats an illness, and (3) the need for the food or beverage is substantiated by a physician. The medical expense is limited to the amount by which the cost of the food or beverage exceeds the cost of a product that satisfies normal nutritional needs. If any of the three requirements is not met, the cost of food or beverages is not a medical expense.