Qualify to save ~30% Personal training HSA FSA eligible in Oakland
How to check out for all of our Personal Training Services with HSA/FSA funds:
1) Complete Health Assessment
2) If approved pay one-time fee and services with debit / credit card
3) Submit receipt and LMN to get reimbursed
How to use HSA/FSA Benefits for Personal Training
Complete Health Assessment
Take a quick, private health survey. A licensed provider will review your answers to determine eligibility. If eligible, you’ll receive a Letter of Medical Necessity (LMN) within 1-2 days and be requested to a pay a one time fee of $15-$30.
Make your purchase
Do not pay with an HSA/FSA card during checkout. The one time time fee is reimbursable via HSA/FSA
Submit for HSA/FSA reimbursement
If you qualify, you’ll receive an LMN and a guide on how to submit your purchase to your HSA/FSA administrator for reimbursement. Claims are typically paid out in 1-2 weeks. Good for 12 months then reapply!
Save an average of 30% on Impact Fitness with HSA/FSA
HSA/FSA accounts were created so individuals could use pre-tax money to pay for expenses used to treat, mitigate, or prevent a diagnosed medical condition. Also a bonus if you are using reward credit cards!
Who is Truemed
At Truemed, the mission is simple: to shift healthcare spending away from treating sickness and toward proven methods that prevent it—like fitness, nutrition, and wellness coaching. By enabling customers to use pre-tax HSA and FSA funds on qualified services, Truemed unlocks a smarter, more proactive approach to health. That’s why we at Impact Fitness Oakland partnered with Truemed. Their platform makes it easy to get medically backed approval—through a quick online process—so you can use your HSA or FSA dollars on personal training with us. It's affordable, accessible, and IRS-compliant. If you're looking to invest in your long-term health, and save money doing it, this is the perfect way to start.
FAQ
How does using my HSA/FSA account save me money?
HSA/FSA accounts were created so individuals could use pre-tax money to pay for expenses used to treat, mitigate, or prevent a diagnosed medical condition. Because HSA/FSAs use pre-tax money, you’re getting more purchasing power for your dollars. Rather than pay taxes on income and then spend it on health items, qualified customers can use pre-tax funds to invest in their health.
An individual can contribute up to $4,150 pretax to their HSA per year, or $8,300 for a family (plus an additional $1,000 if you are at least 55 years old. Individuals can contribute up to $3,200 pretax to their FSA per year (with an additional $500 in employer contributions allowed).
How does the reimbursement process work? Where does the money go?
Once your LMN is approved and you make an eligible purchase:
Submit your receipt + LMN to your HSA/FSA administrator (usually via their member portal or mobile app).
The reimbursement is issued directly to the bank account on file with your HSA/FSA account — not to your credit card.
Processing times vary, but most administrators send the funds within a few business day
Truemed provides the medical documentation, but does not issue or handle payments directly — your HSA/FSA provider does.
When does the HSA/FSA reimbursement plan take effect? Can I pay first and get reimbursed later?
No — you must have an approved Letter of Medical Necessity (LMN) before your purchase for it to qualify for HSA/FSA reimbursement. Once your LMN is issued, it is valid for 12 months, and you can use it to get reimbursed for any qualifying services or products purchased from that date forward.
🔒 Backdated purchases are not eligible for reimbursement.
What are FSA and HSA accounts?
Health savings accounts (HSA) and flexible spending accounts (FSA) are programs that allow you to set aside pre-tax dollars for eligible healthcare expenses. If you’re unsure whether or not you have an HSA or FSA account, please check with your employer or insurance company.
Can I use my HSA/ FSA card at Impact Fitness Oakland Personal Training?
We do not recommend attempting to checkout with your HSA/FSA cards for compliance purposes. We strongly encourage simply transacting with your normal credit or debit card, and submitting for reimbursement as outlined above for the greatest likelihood of success.
How long does HSA or FSA reimbursement take?
For most FSA/HSA administrators, your expenses will be approved within days when you submit your claim for reimbursement along with your receipt and a Letter of Medical Necessity. The exact timing will vary based on your administrator.
Do I need to take Truemed’s survey every time I make a purchase from Impact Fitness?
If you have already received a Letter of Medical Necessity for purchasing specific products from a merchant, you do not need to complete Truemed’s survey again so long as your Letter of Medical Necessity remains valid. Letters of Medical Necessity are typically valid for 12 months after they are first issued. You do still need to submit your receipts for reimbursement with your HSA/FSA administrator.
What is a Letter of Medical Necessity, and how is this compliant?
The items in your Truemed Letter of Medical Necessity (“LMN”) are now qualified medical expenses in the same way a visit to the doctor’s office or pharmaceutical product is.
There are thousands of studies showing food and exercise is often the best medicine to prevent and reverse disease. Exercise qualifies as a qualified medical expense with an LMN. Food, supplements, and other wellness purchases qualify as medical expenses if they treat or prevent an illness, and a doctor substantiates the need. Your Truemed LMN satisfies all IRS requirements to make your wellness spend fully reimbursable.
Are there fees associated with using Truemed's services?
Yes. The one-time fee paid for the LMN is generally reimbursable using your HSA/FSA. You can submit the LMN fee receipt to your benefits provider for reimbursement, just like they would for other qualified medical expenses.
When should I use my FSA/HSA dollars?
You can use your HSA/FSA dollars all year long. However, FSA dollars expire at the end of the year and unused money may not rollover into the next year. Make sure to spend the rest of your FSA dollars before December 31st — use it, so you don’t lose it!
I don’t have enough funds in my HSA/FSA account to reimburse the entire purchase. Can I still use Truemed?
Yes. You can still submit for partial reimbursement. For example: if you purchase an eligible item for $100 but only have $60 in your account, you can reimburse $60 of your purchase with your tax-free funds (with the remaining $40 paid for as normal).
What if my reimbursement is rejected by my administrator?
Please contact us at support@truemed.com so we can help you troubleshoot the issue. HSA/FSA plan administrators often have detailed requirements, so it may be as simple as re-issuing your Letter of Medical Necessity using the administrator’s form. If we are unable to reverse the rejection, we will refund your Truemed fee.
Is personal training covered by insurance?
Generally, health insurance does not cover personal training for general fitness purposes. However, there are exceptions where personal training may be covered if it’s deemed medically necessary by a doctor and prescribed as part of a treatment plan. This is more likely to happen in cases involving rehabilitation, managing a specific health condition like diabetes or obesity, or as part of a wellness program offered by an employer.
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