What Is a Letter of Medical Necessity (LMN)?
How a Letter of Medical Necessity unlocks HSA/FSA eligibility for dual-purpose wellness products.
What it is
A Letter of Medical Necessity (LMN) is a short note from a licensed provider stating that a product is recommended to treat or manage a specific medical condition. It turns a 'dual-purpose' product into a qualified HSA/FSA expense.
When you need one
When a product has both everyday and medical uses — a massage gun, a quality mattress, certain fitness equipment — the IRS requires documentation of medical need. That's the LMN.
Getting one through Caeli
For products marked 'HSA/FSA with LMN', Caeli connects you to a telehealth review; if appropriate, you receive an LMN and can use your benefit funds for the purchase.