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Cross Training Row+

Peloton

Cross Training Row+

$3,495at onepeloton.com

Covered by your benefits

Covered by your HSA/FSA with a . Caeli runs the telehealth intake during checkout — under 3 minutes.

~$1,049 Est. tax saving

Pay with pre-tax HSA/FSA dollars on this $3,495 purchase

Get LMN

Cross Training Row+ is HSA/FSA eligible once a clinician signs a Letter of Medical Necessity, and Caeli gets you one during checkout.

See product details

Checked against common benefit plans. Your employer's plan may differ.

Do you qualify?

  • Bones, joints & muscles
  • Heart & circulation
Get LMN

Benefit-maxxing tips

Use FSA first — it expires. Leave HSA to grow.

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About this product

The most advanced Row yet, featuring a 23.8" Full HD swivel screen with 45° of horizontal movement for easy transitions to strength, yoga, and more, Sonos-tuned speakers, and an integrated fan. Powered by Peloton IQ, it provides real-time form feedback, rep tracking, suggested weights, personalized plans, and custom workouts on demand.

Caeli's pick

The Peloton Cross Training Row+ earns its place through thoughtful engineering and everyday versatility. Its 23.8" swivel touchscreen, Sonos-tuned audio, and integrated fan create an immersive studio experience at home, while Peloton IQ delivers real-time form feedback across rowing, strength, and yoga. The vertically stowable frame keeps it practical for compact living spaces without sacrificing performance.

Quick facts

Brand
Peloton
Category
Fitness
Concerns addressed
Cardiovascular & Athletic Fitness
IRS classification
Qualified medical expense (with an LMN)
Caeli receipt vault
Auto-saved for 7 years
Sold by
onepeloton.com

Eligibility & Coverage FAQs

Written by Caeli's benefits team. If we haven't answered your question, the extension's in-app chat is staffed by humans.

Can I buy the Cross Training Row+ with my HSA or FSA?
With a Letter of Medical Necessity, yes. The IRS treats many wellness products as "general wellness" by default; an LMN from a clinician documents the medical purpose and converts the purchase into a qualified medical expense. Caeli automates the LMN flow inline during checkout.
What is a Letter of Medical Necessity (LMN), exactly?
A short note from a licensed clinician naming the product, the medical condition it treats, and the duration of treatment. It's a single page. Caeli's telehealth partners issue one through an intake that runs concurrently with merchant checkout — under 3 minutes from your side.
What if I get audited?
Caeli vaults your LMN, the itemized receipt, and your symptom intake together for the full 7-year IRS audit window. If your HSA administrator or the IRS asks, you forward one folder.
Does my wellness stipend (LSA) cover this?
Maybe — LSA coverage is set by your employer's plan, so it varies by person. Caeli reads your employer's LSA categories and tells you whether you can pay this way — often with no paperwork. If you have both an LSA and an HSA, Caeli steers you to spend the LSA first (it can expire) and protect the HSA (it compounds).
Does Caeli ever see my medical records?
Only the intake answers you choose to share with the telehealth clinician. Caeli itself does not store diagnoses; we store the LMN as the clinician issues it.

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Eligibility shown is informational. Final coverage depends on your plan and, where required, a clinician-issued LMN.