đź’ˇ Quick Answer: Calm is HSA/FSA eligible because it helps prevent, manage, and treat a variety of mental health conditions including anxiety, depression, insomnia, PTSD, ADHD, and chronic stress. 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 Calm 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 Calm
Calm is the world’s most popular meditation and sleep app, trusted by over 100 million users. Think of it as a pocket-sized wellness studio that goes wherever you go. The app offers guided meditations, breathing exercises, mindfulness programs, sleep stories narrated by celebrities, and even gentle music designed to help you de-stress. Whether you’re battling anxiety, struggling with insomnia, or just need a mid-day reset, Calm makes it simple to take care of your mental health.
The app is especially loved by busy professionals, students, and parents who need quick, effective tools for relaxation. Sessions range from 3–30 minutes, making them easy to fit into your daily routine. With categories like “Daily Calm,” “Sleep Stories,” and “Calm Kids,” there’s something for everyone.
Why Calm Qualifies for HSA/FSA
According to IRS regulations, wellness apps like Calm can qualify as eligible medical expenses with a Letter of Medical Necessity under Publication 502. The IRS defines eligible expenses as those used for “the costs of diagnosis, cure, mitigation, treatment, or prevention of disease, and for the purpose of affecting any part or function of the body.”
That means Calm may qualify for HSA/FSA reimbursement when prescribed for prevention or treatment of:
- Anxiety disorders
- Depression and mood disorders
- Insomnia and sleep disorders
- PTSD and trauma recovery
- Chronic stress management
- ADHD and attention disorders
- Panic disorders
- Postpartum anxiety or depression
The key is medical documentation. Your healthcare provider must note that mindfulness and meditation through Calm are medically necessary for your specific condition, not just general relaxation. This documentation comes in the form of a Letter of Medical Necessity (LMN).
How to Assess Your Eligibility
Traditional Route: Book an appointment with your doctor or mental health provider, discuss your condition, and request a Letter of Medical Necessity. This can take weeks and often costs $50–100+.
Faster, Smarter Route: Use Crates Health to get your LMN online in minutes. Our platform connects you with licensed providers who can review your condition remotely and issue proper documentation if you qualify. No waiting rooms. No surprise bills.
Frequently Asked Questions
Do other mindfulness apps qualify?
Yes! With the right LMN, apps like Headspace, Breathwrk, or meditation subscriptions can also qualify.
Can I use HSA/FSA for Calm Premium?
Absolutely, as long as you have an LMN connecting it to your diagnosed condition.
How does reimbursement work?
Most app stores don’t accept HSA/FSA cards directly. Pay with your regular card, then submit your receipt and LMN for reimbursement. With Crates, it’s one click.
How long is my LMN valid?
Typically 12 months from the issue date. You’ll need to renew annually.
Will my claim get denied?
Denials usually come down to documentation. Crates helps ensure your receipts and LMN are in the correct format so you get your money back.
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