💡 Quick Answer: F45 Training is HSA/FSA eligible because it helps prevent, manage, and reverse a variety of health conditions including cardiovascular disease, obesity, and diabetes, and many others. According to IRS Publication 502, all you need is a Letter of Medical Necessity.
Luckily, we make it ridiculously simple. Crates Health is the fastest way to get your personalized and compliant letter for F45 Training and thousands of other wellness products, plus we handle your reimbursements directly through our platform with just one click.
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What is F45 Training
F45 Training is the Australian-born fitness phenomenon that’s basically like having a personal trainer in a team environment, minus the intimidation factor. Think functional movement meets HIIT in 45-minute classes that somehow feel like they fly by (hence the name: Functional Training 45). With over 2,000 studios globally, F45 has cracked the code on making seriously challenging workouts feel achievable for everyone.
Here’s what makes F45 different: every day has a different focus (cardio, resistance, or hybrid), so your body never adapts and gets complacent. You’ll work through circuits with everything from ski ergs and assault bikes to kettlebells and TRX straps, guided by screens that show exactly what to do and when. The team training atmosphere means you’re working alongside others but at your own pace. No judgment, just support. Classes are capped at around 27 people, so it feels intimate while still having that electric group energy that pushes you further than you’d go solo.products.
Why F45 Training Qualifies for HSA/FSA
According to IRS regulations, fitness studio memberships can qualify as eligible medical expenses with a Letter of Medical Necessity under specific circumstances outlined in Publication 502.
IRS Publication 502 states that medical expenses are “the costs of diagnosis, cure, mitigation, treatment, or prevention of disease, and for the purpose of affecting any part or function of the body,” but “must be primarily to alleviate or prevent a physical or mental condition or illness.”
This means F45 Training membership can qualify for HSA/FSA reimbursement for prevention or treatment of:
- Cardiovascular disease and hypertension
- Obesity and weight management disorders
- Type 2 diabetes
- Depression and anxiety disorders
- Osteoporosis and bone density issues
- Chronic back pain
- Arthritis and joint disorders
- Musculoskeletal conditions requiring physical therapy
The key requirement is that your healthcare provider must note the functional training and HIIT workouts as medically necessary for managing your specific health condition, not just for general wellness. This documentation comes in the form of a Letter of Medical Necessity (LMN).
How to Assess Your Eligibility
Traditional Route: Schedule an appointment with your primary care physician, discuss your health conditions and fitness goals, and request a Letter of Medical Necessity if functional training is recommended as part of your treatment plan. This typically requires an office visit, potential wait times, and can cost $50-100+ depending on your insurance.
Faster, Smarter Route: Use Crates Health to get your Letter of Medical Necessity online in just a few minutes. Our platform connects you with licensed healthcare providers who can evaluate your conditions remotely and issue the appropriate documentation if you qualify. No office visits, no waiting weeks for appointments, and no surprise medical bills.
Frequently Asked Questions
Do other functional training and HIIT studios qualify for HSA/FSA?
Absolutely! With the right medical documentation, you can potentially use HSA/FSA funds for other functional training gyms, CrossFit boxes, bootcamp classes, personal training sessions, and specialized workout programs, as long as they’re recommended for treating specific medical conditions.
How does reimbursement work?
Some retailers accept HSA/FSA cards (most don’t though). When they don’t, you need to use your personal card and then reimburse yourself. This means finding and storing receipts and then uploading them and your LMN to your HSA/FSA admin portal. With Crates, we make this process simple: upload your receipt and get one click reimbursements all from our platform.
What is a Letter of Medical Necessity?
A Letter of Medical Necessity (LMN) is a document from a licensed healthcare provider that explains why a specific expense like your F45 Training membership is medically necessary for treating a diagnosed condition. It’s the official paperwork that proves your functional training isn’t just for general fitness. Each LMN typically remains valid for 12 months from the date of issue.
Will my claim get denied?
Every HSA/FSA admin is unique and may initially deny some claims. Usually, it is related to receipt format (must be itemized), LMN format, or other supporting documentation. With Crates, we will support you through this process and make sure you get your money back.
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