A Letter of Medical Necessity is a document from a licensed medical professional that proves certain health-related purchases are eligible for pre-tax benefit spending.

What to know

The IRS has strict rules about what expenses qualify for pre-tax benefits like FSAs and HSAs. While general wellness items are usually not eligible, they can be approved if you have documentation showing they are:

• Recommended by a licensed medical professional
• Part of a specific treatment plan
• For a diagnosed medical condition

Most medical offices are familiar with this process and will be able to provide one upon request.

If your claim requires proof of medical necessity, Benepass will prompt you for an LMN before approving. 

If you are submitting an expense that you know will require an LMN, please provide the document alongside your receipts at the time of submission for more streamlined processing.