Use your HSA or FSA to save about 30% on personal training
Through our Truemed partnership, you can pay for training with pre-tax HSA/FSA dollars. Qualify online, get a Letter of Medical Necessity, and submit for reimbursement.
Why your HSA/FSA can pay for training
HSA and FSA accounts were created so you can use pre-tax money to treat, mitigate, or prevent a diagnosed medical condition.
Because that money is pre-tax, every dollar goes further — you get more purchasing power than paying with taxed income. There are thousands of studies showing that exercise and nutrition are often the best medicine to prevent and reverse disease, which is why they can qualify as medical expenses with the right documentation.
We partnered with Truemed because their platform makes medically backed approval simple. A quick online health assessment, reviewed by a licensed provider, is all it takes to unlock your HSA/FSA dollars for personal training with us. It is affordable, accessible, and IRS-compliant.
How to use HSA/FSA for personal training
Four steps from qualifying to reimbursement. One Letter of Medical Necessity is good for 12 months, then you reapply.
Complete a health assessment
Take a quick, private health survey. A licensed provider reviews your answers to determine eligibility.
Get your Letter of Medical Necessity
If eligible, you receive your LMN within 1-2 days and pay a one-time $15-$30 fee, which is itself HSA/FSA reimbursable.
Pay with your normal card
Book and pay for training with your regular credit or debit card — not your HSA/FSA card — for the greatest chance of a clean claim.
Submit and save ~30%
Send your receipt and LMN to your HSA/FSA administrator. Claims are typically paid out in 1-2 weeks.
Do not pay with an HSA/FSA card at checkout — pay normally and submit for reimbursement.
What's eligible and why it's worth it
With an approved Letter of Medical Necessity, your training with us becomes a qualified medical expense.
1-on-1 personal training
Our 30-minute private personal training sessions qualify with an LMN in place.
Group & semi-private
Small group fitness, semi-private, and partner training count as eligible services too.
Nutrition coaching
Coaching that treats or prevents a condition qualifies when substantiated by a provider.
Pre-tax purchasing power
Contribute up to $4,150 (individual) or $8,300 (family) pre-tax to an HSA each year, plus $1,000 more at 55+.
One LMN lasts 12 months
A single Letter of Medical Necessity covers a year of qualifying purchases before you reapply.
IRS-compliant
Your Truemed LMN satisfies IRS requirements, the same way a doctor visit or prescription would.
Bonus: stack your rewards with BILT
HSA/FSA reimbursement isn't the only money you can pull out of your training spend. If you pay with the right card, the same dollars work twice — once for your tax-advantaged reimbursement, once for travel and rewards points.
How the play works
- Sign up for personal training at Impact Fitness Oakland.
- Pay with your BILT Palladium card — we're a Bilt Neighborhood Workout partner, so every dollar earns 3x BILT points.
- Get reimbursed through your HSA/FSA once your LMN is approved, then use it to pay off the BILT bill. You keep the points either way.
- Stack rent too — BILT is one of the only cards that earns points on rent.
Over a year of consistent training plus rent, this combo can put roughly 50,000 BILT points back in your pocket — enough for flights, hotels, and fitness classes inside the Bilt network.
Referral disclosure: Impact Fitness Oakland receives a small BILT bonus if you're approved through this link. Always confirm card terms and your own HSA/FSA eligibility with your benefits administrator before relying on a reimbursement.
Ready to check if you qualify?
Start Truemed's quick health assessment. A licensed provider reviews it and, if you're eligible, sends your Letter of Medical Necessity within 1-2 days.
HSA/FSA questions, answered
Eligibility, compliance, and reimbursement — the details that matter.
How does using my HSA/FSA account save me money? +
HSA/FSA accounts let you use pre-tax money for expenses that treat, mitigate, or prevent a diagnosed medical condition. Because that money is pre-tax, you get more purchasing power — rather than pay taxes on income and then spend it on health, qualified customers invest pre-tax funds directly. You can contribute up to $4,150 pre-tax to an HSA per year, or $8,300 for a family (plus $1,000 more if you're 55+), and up to $3,200 to an FSA (with up to $500 in employer contributions).
Can I pay first and get reimbursed later? +
No — you must have an approved Letter of Medical Necessity before your purchase for it to qualify. Once your LMN is issued it is valid for 12 months, and you can use it for any qualifying services or products purchased from that date forward. Backdated purchases are not eligible for reimbursement.
Can I use my HSA/FSA card at Impact Fitness Oakland? +
We don't recommend checking out with your HSA/FSA card, for compliance reasons. Pay with your normal credit or debit card and submit for reimbursement as outlined above — that gives you the greatest likelihood of success.
What is a Letter of Medical Necessity, and how is this compliant? +
The items in your Truemed LMN become qualified medical expenses, the same way a doctor visit or pharmaceutical product is. Exercise, food, supplements, and other wellness purchases qualify as medical expenses when they treat or prevent an illness and a provider substantiates the need. Your Truemed LMN satisfies IRS requirements to make that spend reimbursable.
Is personal training covered by insurance? +
Generally, health insurance does not cover personal training for general fitness. There are exceptions when it's deemed medically necessary by a doctor and prescribed as part of a treatment plan — often in rehabilitation or managing a condition like diabetes or obesity. HSA/FSA funds are the more accessible route for most people. Read more about insurance and personal training.
Train now, save at tax time
Book a free 50-minute intro to see the studio and meet your coach — then qualify with Truemed to put your HSA/FSA dollars to work.
Questions first? Call (510) 469-0084 or visit us at 985 3rd St, Oakland, CA 94607.