By Dr. Megan Britton

Did you know the right piece of paperwork could help you pay for care? A Letter of Medical Necessity (LMN) is one of the most overlooked ways to make healthcare more affordable. When an expense isn’t automatically recognized as eligible, an LMN from your healthcare provider can help you use your HSA or FSA funds on care that supports your health, which can stretch your budget further. Depending on your tax situation, that could add up to meaningful savings over the course of a year.

Below, we explain what an LMN is, what it includes, and how to get started.

What is a Letter of Medical Necessity (LMN)?

A Letter of Medical Necessity (LMN) is documentation from a qualified healthcare professional explaining why a specific product, service, or treatment is medically necessary based on an individual’s medical circumstances.

An LMN may be required when an expense is not automatically recognized as an eligible healthcare expense but may qualify based on medical necessity and applicable plan or tax rules.

An LMN may include:

• Medical condition or diagnosis
• Recommended product, service, or treatment
• Explanation of medical necessity
• Relationship between the expense and the individual’s medical condition
• Expected duration or frequency of use, when applicable
• Supporting information from the healthcare professional

Important Considerations

• An LMN does not guarantee reimbursement or eligibility.
• The expense must still satisfy applicable plan and tax requirements.
• The healthcare professional is responsible for determining whether an item or service is medically necessary.
• Requirements for an LMN may vary by plan administrator.

How to Get Started

1. Consult with your SoulBeing provider to see if an LMN may be required to pay for the service with HSA or FSA funds.
2. Inquire with your HSA, FSA, or benefits administrator on the requirements.

SoulBeing can support you in the process of obtaining a Letter of Medical Necessity. Please contact us at support@soulbeing.com if you have questions!