An LMN, or Letter of Medical Necessity, is like a doctor’s note. It’s issued by a healthcare provider to outline the medical reasons why a particular product or service is medically necessary for an individual's health, and qualifies your purchase to be HSA/FSA eligible. LMNs demonstrate that an expense is needed to diagnose, treat, or alleviate a medical symptom, rather than for general health or wellness purposes.

If you want to use your HSA/FSA funds to purchase Griffin Fitness products, you’ll need a Letter of Medical Necessity (LMN), and we’ve partnered with Sika to help you.

Certain products are eligible for purchase with HSA/FSA funds if they treat, cure, prevent, diagnose, or alleviate a medical need. For instance, items like bandaids are always eligible as they serve a solely medical purpose. However, there are “dual-eligible” products that can be used for general health and wellness or for specific medical purposes—if recommended by a healthcare provider based on your individual needs. Take iron supplements, for example; many use them to support their overall health. Yet, for someone with anemia, iron supplements become crucial. In such cases, individuals can use their HSA/FSA funds if their healthcare provider issues an LMN, recommending the supplements specifically to address their anemia.

You can request a Letter of Medical Necessity through Sika in the link above. If you’re approved, you’ll be able to check out using your HSA/FSA funds for your qualified purchase.

To request an LMN:
– Chat with a certified healthcare provider to evaluate if you qualify for an LMN
– Complete intake forms, similar to how you would at a doctor’s office
– Consult with our team of healthcare providers, who will determine if you are eligible

Once you have your LMN in hand, you can return to the merchant’s site and shop as usual. During checkout, you’ll simply select the Sika payment method to utilize your HSA/FSA funds.

To see if you’re a candidate for a Letter of Medical Necessity, similar to other telehealth experiences, you’ll be asked to share your name, contact information, date of birth, and information about the symptoms you are experiencing and your medical history. We will also verify your phone number and ask you to upload a photo ID to verify your identity.

The information you provide in the LMN process will be kept confidential and shared only with our healthcare providers to evaluate your eligibility for an LMN.

Letters of Medical Necessity are valid for 12 months from the day they are signed and written.

Please note, LMNs cannot be used retroactively for purchases made prior to the date they are signed.

After you complete a purchase using an LMN, you will need to submit your Letter of Medical Necessity and your receipt to substantiate the purchase if you paid with your HSA/FSA or to get reimbursed if you paid with your credit/debit card. To do this:
1. Log into your HSA/FSA account on your benefit administrator’s website
2. Find the Reimbursement or Claims section
3. Upload your receipt and Letter of Medical Necessity

Your administrator will process and evaluate your claim. Please note that some HSA/FSA benefits administrators may incorrectly deny reimbursement, so before purchasing a product with an LMN you should consider contacting your administrator to determine if your purchases will be covered/reimbursed.

If you are having trouble locating your itemized receipt or LMN, please contact Sika at [email protected]

Sika’s independent healthcare provider may determine that you do not have symptoms demonstrating a medical necessity for a product or service. While you cannot use your HSA/FSA funds now, you can still use another payment method to complete your purchase on our site. We do not recommend reapplying.