Is Momentous HSA/FSA Eligible? Yes, Here's How!

What is Momentous

Momentous is the premium performance supplement company that’s basically become the secret weapon for professional athletes and everyday high-performers who refuse to settle for “good enough.” Think of it as the anti-generic supplement brand. Every single product is NSF Certified for Sport, which means it meets the same rigorous testing standards used by the Olympics and literally every NFL team.

Founded by athletes who were frustrated with the Wild West supplement industry, Momentous partners with world-renowned experts like Dr. Andrew Huberman, Dr. Stacy Sims, and performance coaches from the NFL, NBA, and NCAA. Their product line spans everything from their famous “Momentous Three” (protein, creatine, omega-3) to specialized cognitive enhancers and sleep support. What sets them apart? They use premium ingredients like Creapure creatine from Germany – backed by over 500 peer-reviewed studies – and grass-fed whey from European farms, while most competitors source cheap alternatives. Plus, they’re trusted by 150+ professional and NCAA teams. When millions of dollars are on the line, this is what athletes choose.

Why Momentous Qualifies for HSA/FSA Eligibility

According to IRS regulations, supplements 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 Momentous supplements can qualify for HSA/FSA reimbursement for preventing, managing, or reversing:

Protein deficiency and muscle wasting disorders – The American Journal of Clinical Nutrition confirms that adequate protein intake is essential for preventing muscle wasting and managing protein-energy malnutrition, particularly in aging and clinical populations.
Cognitive decline and memory disorders – A systematic review in the Journal of Alzheimer’s Disease found that omega-3 fatty acid supplementation helps prevent cognitive decline and may help reverse early memory impairment in older adults.
Sleep disorders and insomnia – Research in the Journal of Clinical Sleep Medicine demonstrates that magnesium supplementation improves sleep quality and helps manage insomnia symptoms by regulating neurotransmitters and melatonin.
Magnesium deficiency and related conditions – A study in Nutrients found that magnesium supplementation can prevent and reverse deficiency-related symptoms including muscle cramps, anxiety, and cardiovascular irregularities.
Omega-3 deficiency and cardiovascular disease – The American Heart Association recommends omega-3 supplementation for preventing cardiovascular events and managing triglyceride levels in at-risk individuals.
Sarcopenia and age-related muscle loss – A meta-analysis in the British Journal of Sports Medicine found that protein supplementation combined with resistance training significantly helps prevent and reverse age-related muscle loss.
Age-related cognitive decline – Research published in Frontiers in Aging Neuroscience shows that creatine supplementation improves cognitive function and may help prevent age-related cognitive decline.
Chronic fatigue syndrome – A study in the Journal of Clinical Medicine found that targeted nutritional supplementation, including protein and key micronutrients, can help manage and reverse symptoms of chronic fatigue.

The key requirement is that your healthcare provider must document the specific supplements as medically necessary for preventing, managing, or reversing your health condition – not just for general wellness. This documentation comes in the form of a Letter of Medical Necessity (LMN).

How to Assess Your HSA/FSA Eligibility for Momentous

Traditional Route: Schedule an appointment with your primary care physician, discuss your health conditions and supplement needs, and request a Letter of Medical Necessity if supplementation is recommended as part of your care 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.

Check your Momentous Eligibility

Frequently Asked Questions

Do other performance supplements qualify for HSA/FSA?

Yes! With the right medical documentation, you can use HSA/FSA funds for many performance and wellness supplements. Popular HSA-eligible brands include Thorne for clinical-grade formulas, AG1 (Athletic Greens) for comprehensive nutrient support, Legion Athletics for transparent sports nutrition, Vital Proteins for collagen, LMNT for electrolytes, and Seed for probiotics. Check out our complete vitamins and supplements guide for more options. Related guides: Thorne (https://www.crateshealth.com/blog/hsa-fsa-eligibility/thorne/), AG1 (https://www.crateshealth.com/blog/hsa-fsa-eligibility/ag1/), Seed (https://www.crateshealth.com/blog/hsa-fsa-eligibility/seed/), LMNT (https://www.crateshealth.com/blog/hsa-fsa-eligibility/lmnt/), Legion Athletics (https://www.crateshealth.com/blog/hsa-fsa-eligibility/legion-athletics/), Vital Proteins (https://www.crateshealth.com/blog/hsa-fsa-eligibility/vital-proteins/)

How does reimbursement work?

Some retailers accept HSA/FSA cards directly (most don't though). When they don't, you purchase with your personal card and then reimburse yourself. This means finding and storing receipts and uploading them along with your LMN to your HSA/FSA admin portal. With Crates Health , we simplify this process: 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 Momentous supplements is medically necessary for preventing, managing, or reversing a diagnosed condition. It's the official paperwork that proves your supplementation isn't just for general wellness. Each LMN typically remains valid for 12 months from the date of issue.

Will my claim get denied?

With proper documentation, denials are rare. That said, every HSA/FSA administrator is different, and some may initially deny claims due to receipt format, LMN documentation, or unclear medical necessity. Crates Health supports you through any denials and makes sure you get reimbursed.

Can I use my HSA/FSA for Momentous products I already bought?

Unfortunately, no. Your LMN must be dated before the purchase date for it to be eligible for reimbursement. The IRS requires medical necessity to be established at the time of the expense, not after.

Do I need a separate LMN for each Momentous product I use?

Best-in-class LMNs are designed for one product and one health condition to meet IRS standards. If you're using multiple Momentous products (like protein, creatine, and omega-3s) or combining them with other HSA-eligible supplements , you'll need separate documentation for each product.

How long does it take to get an LMN from Crates Health?

Most users complete the Crates Health process in a few minutes. You’ll answer questions about your health conditions, and if you qualify, a licensed healthcare provider reviews your information and issues your LMN the same day. No appointments, no waiting rooms, no hassle.