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Garmin HRM 200 Heart Rate Monitor - M to XL is HSA/FSA eligible — pay with your benefits card at checkout.

Covered by your benefits

  • HSA
  • Health FSA

Pay with your HSA or FSA card. No paperwork.

Benefit-maxxing tips

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

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About this product

The HRM 200 heart rate monitor transmits accurate real-time heart rate and heart rate variability data to compatible Garmin smartwatches and cycling computers, fitness equipment, and apps. Comfortable strap is available in two sizes (XS–S and M–XL) for the most ideal fit for your body type. Up to 1 year of battery life with a user-replaceable battery. Durable and built to last with a 3 ATM water rating. Machine washable for easy cleaning.

Caeli's pick

The Garmin HRM 200 streams accurate real-time heart rate and HRV data via Bluetooth to compatible watches, cycling computers, and training apps, keeping metrics seamless across devices. An adjustable M-XL strap, year-long user-replaceable battery, 3 ATM water rating, and machine-washable band reflect thoughtful, durable construction for athletes who train daily.

Quick facts

Brand
Garmin
Category
Health & Wellness
Concerns addressed
Cardiovascular & Athletic Fitness, Biometric & Preventative Tracking
IRS classification
Qualified medical expense
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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 Garmin HRM 200 Heart Rate Monitor - M to XL with my HSA or FSA?
Yes, when you buy it primarily to help diagnose, treat or prevent a specific condition, not for general fitness or wellness (IRS FAQ Q15). No letter is required: pay with your HSA or FSA card.
Do I need a doctor's note or LMN to buy the Garmin HRM 200 Heart Rate Monitor - M to XL?
No letter is required. What makes a wearable a medical expense is why you buy it: primarily for a specific condition. A clinician's recommendation, your symptoms, a diagnosis, abnormal test results or risk factors all count; a general wish to track or improve your health does not.
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).

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