If you’ve been wondering “Can personal training be covered by insurance?” or asking yourself “Are personal training sessions HSA eligible?”, you’re not alone—and we’ve got good news for you.
At Impact Fitness Oakland, we’ve partnered with TrueMed to help Bay Area clients use HSA (Health Savings Account) or FSA (Flexible Spending Account) funds to cover personal training costs—completely legally and within IRS guidelines when connected to a medically necessary condition.
And here’s something most people overlook: if you’re someone who enjoys collecting credit card points, there’s an added benefit. This reimbursement model lets you earn points now and get reimbursed later. It’s a smart strategy if you’re working toward a signup bonus or maximizing everyday spending.
Here’s How It Works
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Pay out-of-pocket using your credit card for personal training sessions.
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Complete a quick intake survey with TrueMed.
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If approved, receive a Letter of Medical Necessity (LMN)—valid for 12 months.
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Submit your LMN and training receipts to your HSA or FSA administrator.
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Your HSA/FSA reimburses you in cash—tax-free.
Your card earns the points. Your HSA/FSA reimburses the money. You benefit both ways.
The Points Plus Tax Savings Strategy
Say you spend $500 on personal training with a rewards credit card. That’s $500 toward bonus points, travel rewards, or cashback. Once your LMN is approved, you submit everything to your HSA/FSA provider and get your $500 back. You just earned rewards for a purchase that doesn’t cost you anything in the end.
If you’re a responsible cardholder, this is one of the most efficient ways to use your HSA/FSA benefits while also boosting your rewards balances.
Want to use the same card I do for this setup?
Earn 100,000 bonus points with Sapphire Reserve® or 75,000 bonus points with Sapphire Preferred®
I personally use my points to book international flights and hotel stays. It’s one of the best ways to stretch your health spending while traveling smarter.
Why This Is a Win for Oakland Locals
Living in the Bay Area is expensive, and many residents are already contributing to HSA/FSA accounts through their employers. But few know these funds can legally be used for training when a medical condition is involved.
Whether you’re addressing:
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Weight management
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Back pain or joint issues
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High blood pressure
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Diabetes or metabolic health
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Stress or sleep disorders
This solution gives you access to expert coaching and personal training at Impact Fitness Oakland—while saving you up to 30–40% by using pre-tax dollars.
Frequently Asked Questions
Are personal training sessions HSA eligible?
Yes, when prescribed through a Letter of Medical Necessity obtained via TrueMed.
Can personal training be covered by insurance?
Yes, through reimbursement from HSA/FSA funds, which are designed for health-related expenses.
Is the TrueMed fee reimbursable?
Yes. The one-time survey fee ($15–$30) for obtaining your LMN is reimbursable through your HSA/FSA account.
Do I need to use an HSA/FSA card upfront?
No. You pay out-of-pocket using a regular card, then get reimbursed after submitting documentation.
Getting Started
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Book a free consultation at Impact Fitness Oakland
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Complete the TrueMed eligibility survey
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Receive your LMN and begin training
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Submit receipts and LMN to your HSA/FSA provider
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Get reimbursed in full—while keeping your credit card points
By Liam Saechao – Certified Personal Trainer | Impact Fitness Oakland
